Zero-Based Budget Builder

Solopreneurs and freelancers who mix business and personal expenses in one bank account spend hours each month manually tagging which transactions are business-deductible before tax season

Couples managing shared finances argue because one partner overspends a category the other is not tracking in real time, and no app handles split contributions fairly

People with high-interest debt do not negotiate with creditors because they do not know what to say, even though creditors frequently grant rate reductions to callers who ask correctly