Wealth and money tools in the app
Wealth covers money: budgets, bills, debt payoff, savings goals, net worth, retirement planning, insurance, taxes and investments, plus financial literacy and upkeep trackers for the home and the car.
The tools are free to use today and need a free account. “Open in the app” asks you to sign in or create one first.
SOS is an educational tool. It is not a doctor, therapist, financial adviser, lawyer or crisis service. Use it to learn and to keep track of your own life, and check anything important with a qualified person. Read the terms.
All wealth tools
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Asset Allocation Analyzer
Enter your current holdings to see drift from your age-appropriate target.
Open in the app: Asset Allocation Analyzer -
Bill Calendar
Track every recurring bill with a visual monthly calendar.
Open in the app: Bill Calendar -
Bill Tracker
List your recurring bills with due days and an auto-pay note, and mark each one paid for the current period.
Open in the app: Bill Tracker -
Budgeting Suite
Income, expenses, savings goals, and spending intelligence.
Open in the app: Budgeting Suite -
Calculators
Mortgage, loan amortization, debt payoff, retirement, and compound interest.
Open in the app: Calculators -
Career Planning
Track your career trajectory, skills, job history, certifications, and job applications.
Open in the app: Career Planning -
College Savings
Open in the app: College Savings -
Credit Score Tracker
Manual credit score logging with trend chart, FICO factor self-assessment (payment history, utilization, length, new credit, mix).
Open in the app: Credit Score Tracker -
Debt Payoff Planner
Open in the app: Debt Payoff Planner -
Digital Legacy Planner
Inventory all your online accounts with handling instructions (delete/memorialize/transfer).
Open in the app: Digital Legacy Planner -
Dividend Investing
Build a passive income stream through dividend stocks.
Open in the app: Dividend Investing -
Fee Drag Calculator
See the dollar cost of high expense ratios over time.
Open in the app: Fee Drag Calculator -
Financial Literacy
Open in the app: Financial Literacy -
Financial Profile
Net worth tracking, asset & liability accounts, financial goals, and FIRE planning.
Open in the app: Financial Profile -
FIRE Tracker
Financial Independence dashboard: FIRE number, Coast FIRE, Lean/Fat FIRE targets, timeline projection, and custom milestones.
Open in the app: FIRE Tracker -
Home Inventory
Catalog all household possessions for insurance documentation.
Open in the app: Home Inventory -
Home Maintenance
Track recurring home tasks, appliance warranties, contractor contacts.
Open in the app: Home Maintenance -
Insurance Inventory
Track all policies — health, life, auto, home, disability, and more.
Open in the app: Insurance Inventory -
Investment Analysis Suite
Open in the app: Investment Analysis Suite -
Investments
Track stocks, ETFs, and crypto.
Open in the app: Investments -
Mindful Spending
Track spending triggers, emotional purchases, and regret.
Open in the app: Mindful Spending -
Mindful Spending Journal
Log purchases with emotional context.
Open in the app: Mindful Spending Journal -
Net Worth Tracker
Add what you own and what you owe to see your net worth, and save snapshots to watch it change.
Open in the app: Net Worth Tracker -
Portfolio Rebalancing
Portfolio rebalancing: drift detection, threshold bands, tax-smart strategies, and a personal allocation tracker with drift calculator.
Open in the app: Portfolio Rebalancing -
Real Estate Intelligence
Track properties, run mortgage scenarios, analyze rental ROI (cap rate, CoC, NOI, IRR), and research the market.
Open in the app: Real Estate Intelligence -
Retirement Simulator
Monte Carlo retirement simulator.
Open in the app: Retirement Simulator -
Roth vs. Traditional IRA
Should you contribute to Roth or Traditional? Break-even analysis.
Open in the app: Roth vs. Traditional IRA -
Savings Goals
Named savings buckets — emergency fund, vacation, home.
Open in the app: Savings Goals -
Side Hustle
Open in the app: Side Hustle -
Subscription Tracker
Track all recurring subscriptions.
Open in the app: Subscription Tracker -
Tax Organizer
Open in the app: Tax Organizer -
True Expenses
Budget for irregular annual costs (car registration, vacation, gifts, insurance) by dividing them into monthly savings targets.
Open in the app: True Expenses -
Vehicle Maintenance
Service log, oil change tracker.
Open in the app: Vehicle Maintenance -
Will Builder
Asset inventory, beneficiary designations, and digital legacy planning.
Open in the app: Will Builder