Finance Engine

YOUR COMPLETE
PERSONAL
FINANCE TOOLKIT

8 connected tools that save your data, talk to each other, and get smarter the more you use them. Budget, track debt, build net worth, plan for life events. Money IQ watches all of it and shows you what to do next.

Start 14-Day Free Trial → Explore Discovery Free
$5.99/month or $49/year after trial
⚡ Finance Engine
Money IQ March 2026
Net Worth
$24,850
▲ $1,240 this month
Monthly Budget
$3,200
$2,480 spent · $720 remaining
Housing 42% Food 18% Transport 12%
Debt Payoff
$8,420
Payoff: Aug 2027 (avalanche)
Financial Health
72/100
Good · up 6 pts this month
🧠
Money IQ Weekly Insight
Your dining spending increased 34% this month. If this continues, your emergency fund goal pushes back 3 months. Consider setting a $400 monthly cap.
8 Connected Tools

EVERYTHING YOUR
MONEY NEEDS

Each tool saves your data. Each tool feeds the others. Change your budget and watch it ripple through savings goals, debt projections, and your financial health score.

💰
Budget Builder
Persistent budgets with monthly history. Categories auto-track and feed into savings goals.
🧠
Credit & Interest
Three modes: savings growth, debt cost, and credit score impact. Decisions compound over time.
🎯
Life Events
Set goals, face random risk events, make insurance decisions. Watch your plan get tested.
📈
Net Worth Tracker
Assets minus liabilities, tracked monthly. One number that tells you where you stand.
💵
Debt Payoff Planner
Real balances. Avalanche vs snowball. Projected payoff dates that update as you pay.
👥
Shared Family Budgets
Create budgets you share with a partner or family member. Both see the same numbers.
💚
Financial Health Score
One number out of 100. Savings rate, debt ratio, budget adherence, net worth trend.
🧠
Money IQ
Weekly insight cards. On-demand Engine Checks. Scenario planning. Cross-tool pattern detection.
Everything Connects

YOUR DATA FLOWS

In Discovery, each tool is an island. In Finance Engine, every decision ripples through your entire financial picture.

1
Budget
Set income and expenses. Categories track automatically month over month.
2
Savings
Your budget surplus feeds savings goals. Life events test whether your cushion holds.
3
Debt
Real balances with projected payoff dates. Avalanche or snowball, your call.
4
Net Worth
Assets minus liabilities, updated as your savings grow and debt shrinks.
🧠
Money IQ
Watches everything. Finds patterns. Shows you what to do next.
Intelligence Layer

MONEY IQ SEES
WHAT YOU CAN'T

Money IQ analyzes your full financial picture and surfaces insights you would never find on your own. Not generic tips. Your data, your patterns, your blind spots.

📋 Weekly Insight Cards
Every week, Money IQ analyzes your activity and delivers 2-3 personalized insight cards. Spending trends, savings pace, debt trajectory.
🔍 On-Demand Engine Checks
Select which tools to analyze. Money IQ runs a diagnostic and tells you exactly where you stand and what to adjust.
🎲 Scenario Planning
"What if I pay $200 more on debt each month?" "What if I lose my job?" Model the outcomes before they happen.
🧠 Money IQ Engine Check
Budget Health A-
You're consistently under budget. Savings allocation could increase by $150/mo without impacting lifestyle.
Debt Trajectory B+
Avalanche method is optimal for your balances. Payoff date: Aug 2027. Switching $50 from savings to debt accelerates this by 4 months.
Risk Coverage C
Emergency fund covers 1.8 months of expenses. Target is 3-6 months. This is your biggest vulnerability right now.
Simple Pricing

ONE PLAN.
EVERYTHING INCLUDED.

$5.99/mo
or $49/year (save 32%)
  • ✓ All 8 financial tools, fully connected
  • ✓ Data saves and persists across sessions
  • ✓ Money IQ weekly insights + Engine Checks
  • ✓ Scenario planning and what-if modeling
  • ✓ Shared family budgets
  • ✓ 14-day free trial, cancel anytime
Start 14-Day Free Trial →
No credit card required to start. Cancel anytime.
Add-On
+$5/mo
Education Engine — Parent Access
Available to Finance Engine subscribers
  • ✓ Full Ed Engine admin view for your child
  • ✓ Lesson progress, scores, and assessment results
  • ✓ Same view teachers and administrators see
  • ✓ Link with any identifier — immutable after registration
Learn About Education Engine →