FAQ
Frequently asked questions
Straight answers—this is a focused finance tool, not a full banking product.
Is the Financial Health Score a credit score?+
No. It is an app-specific wellness score based on your cashflow, savings, and debt picture. It is not produced by a credit bureau and does not affect your credit.
How is the score calculated?+
Deterministically, inside the app. It blends five factors—income vs spending, emergency buffer, cash vs credit card debt, portfolio vs debt, and overall leverage—over a rolling 90-day window, with weights that adapt to your situation.
What does the AI actually do?+
It explains patterns and suggests next steps in plain language. All core calculations—net worth, score, spending splits—run deterministically in the app. The AI interprets; it does not decide for you.
Is my data secure?+
Passwords are handled by Supabase Auth. When bank linking is configured, access tokens are encrypted at rest. AI only receives aggregated snapshots—never your full transaction history.
Do I need to connect a bank?+
No. You can enter accounts manually or load sample data to explore every feature in minutes. Sandbox bank linking is optional.
How much does it cost?+
$9.99 per month or $99 per year (two months free vs monthly). You can start free with sample data—no card required. See the pricing page for details.
How do I pay?+
Secure credit card payments via Stripe are coming soon. For now you can create an account and explore the full app for free.
Can I cancel anytime?+
Yes. Monthly plans can be cancelled at any time, and annual plans simply do not renew if you choose not to continue.
Still curious? Explore the features or create a free account.