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// Your Financial Pulse

Know Where
You Stand.

Most people have no idea where they actually stand with their money. They earn, spend, and hope for the best. The Pulse changes that — a personalized financial health score across 5 dimensions, in under 3 minutes.

Answer 9 questions. Get scored on savings, debt, investing, retirement, and financial behavior. Unlock a personalized AI report with your exact next moves.

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0 STRONG
Savings Debt Investing Retirement Behavior
Ask the AI Muse Trained on 280+ articles, guides & tools
I have $8K saved and $12K in student loans at 5.5%. Should I invest or pay off debt first?
At 5.5%, your loans are right at the decision line. The S&P 500 has historically returned ~10% annually — but that's before taxes and with significant volatility. Here's the math: paying off $12K at 5.5% is a guaranteed 5.5% return. Hard to beat risk-free.

My move? Split it. Keep your $8K emergency fund intact, then throw extra cash at the loans while contributing enough to get any 401(k) match. Free money first, always.
Sources: Debt Payoff Strategies · Compound Interest Calculator
What about a Roth IRA?
Yes — a Roth IRA should be in the mix. If your modified AGI is under $150K (single), you can contribute up to $7,000/year. The money grows tax-free and you can withdraw contributions anytime. Even $100/month while paying off loans builds the habit.
Sources: Tax-Advantaged Accounts Guide
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// Run Your Own Numbers

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Other creators tell you what to do with your money. I built 7 interactive calculators so you can run your own numbers — the same frameworks used to value billion-dollar deals on Wall Street, built for your paycheck.

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Spending Breakdown
Needs 50% Wants 30% Savings 20%
Budget Calculator
Build a spending plan with the 50/30/20 rule. See exactly where your money goes.
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Growth Projection
$500K $250K $100K $0 Yr 1 Yr 15 Yr 30 Contributions only $502K
Compound Interest Calculator
See how consistent investing builds real wealth over time through the power of compounding.
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Payoff Timeline
$25K $15K $5K $0 Mo. 1 Mo. 24 Mo. 48 DEBT FREE
Debt Payoff Calculator
See your payoff timeline and how much extra payments save you in interest.
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Readiness Score
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Retirement Readiness
Find out if you're on track for retirement with a readiness score and projection chart.
Launch Tool
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