Your money, handled.
Bigger refunds. Better credit. Your info off the internet.
Free, really. No card.
Bigger refunds
Every deduction surfaced. No surprise upsells.
Better credit
All 3 bureaus. Plain next step on every factor.
Off data brokers
Live removal status across 220+ sites.
The real app.
The home screen you'll use every week.
Three pillars
One app, three jobs.
Credit
Raise your real score.
- All 3 bureaus plus FICO.
- Plain next step on every factor.
- Simulator, history, and live alerts.
Not credit repair. Results vary.
Open creditSavings found YTD
$20,530
- S-Corp salary splitCPA review$4,200
- Home office (simplified)Easy$1,580
- Sec 179 vehicle write-offModerate$8,750
- Solo 401(k) deferralEasy$6,000
Taxes
CPA-grade tax tools.
- Every deduction, dollar value up front.
- Moves ranked by dollar impact.
- Hand the package to your CPA.
Not a CPA. Results vary.
Open taxes184 / 220
removedRemovals take 2–6 weeks per broker. Auto-sweep re-files when sites re-list you.
- SpokeoRemoved · Mar 14
- WhitepagesRequested · Mar 22
- BeenVerifiedFound · —
Privacy
Get off data-broker sites.
- Live status across 220+ sites.
- Auto-sweep when sites re-list you.
- Free shows the scan. Plus removes you.
Removals take 2–6 weeks.
Open privacyTax Intelligence
CPA-grade tax tools.
Find money you're owed. Hand the package to your CPA.
1099 / owner income > $60k
S-Corp salary split
$3k–$8k / yr
Pay W-2 + distribution. Cuts self-employment tax.
Pass-through owners
QBI deduction (§199A)
Up to 20% of income
Pure deduction if the math clears. We check it.
Owners with a home + business
Augusta rule (§280A)
$2k–$14k / yr
Rent your home to your business, 14 days tax-free.
Save money
Catch the leaks.
Subscription killer
One tap to cancel.
Bill negotiation
We draft. You keep the savings.
Credit-use guardrail
Alert above 28% of limit.
Rate-drop alerts
Refi when the math wins.
Found money
Unclaimed property, class actions.
Idle cash optimizer
Move 0.01% cash to 4%+.
Property tax appeal
Auto-builds the packet.
Quarterly tax
Auto-calc and reminders.
Autopilot
Runs itself.
Toggle on what you want. We watch the rest.
Tax deadlines
30/14/7/1-day reminders.
Auto-sort transactions
Every charge in the right bucket.
Quarterly tax auto-calc
Recalculates when income lands.
Credit watcher
New negative mark? We draft.
Credit-use guardrail
Alert above 28% of limit.
Subscription killer
One tap to cancel.
Compliance watch
Annual reports, registered agent.
Insurance renewals
No more lapsed policies.
Retirement tracker
Knows the room you have left.
Daily briefing
Overnight wins + two decisions.
Captain Ernie
Your daily briefing.
What we did overnight. The two decisions that matter today.
Meet Captain ErnieThis morning's briefing
- Removed from 2 brokers (Spokeo, Radaris). 34 to go.
- Score +14 on Equifax — Chase utilization dropped from 42% → 18%.
- Found $1,580 home-office deduction in Q2 receipts.
- Q3 estimate due in 9 days — $2,840. Pay now
Meet the crew
Three characters, one mission.
Captain Ernie
Your steady advisor.
Runs your morning briefing.
Tatay
Keeps your house in order.
Flags urgent stuff. Makes you handle it now.
Munny Goblin
The money-finder.
Digs up forgotten subs, refunds, and unclaimed cash.
Signal · Owners
Business credit, built in.
Flip to Owner mode for the full Signal suite.
- PAYDEX 80 in ~90 days
- ChexSystems repair
- Funding without personal guarantee
Trust
Bank-grade. Yours to leave anytime.
Passcode lock
Your money sits behind a code.
Your data, your control
Export or delete in two taps.
No data sales
We earn from offers — never from you.
Simple pricing
Cancel in two taps.
Free
Real tools. Free forever.
Forever
- Full credit score + 3-bureau monitoring & alerts
- Score simulator
- Money tracking (bank-connected)
- Utilization guardrail
- Basic refund estimate
- Privacy exposure scan (view-only)
- 1 dispute letter / month
- Full Offers marketplace
- Daily briefing + Captain (10 questions/day)
No card required
Free, really. We earn from honest offers — never from selling your data.