Everything you need to take control.
Nine pillars, one coached platform. Here's everything inside Boss Finances — every module in the member portal, and the tools that turn money stress into a clear, do-this-next plan.
See every dollar — before it's gone.
Track your money automatically, forecast your month, and catch the leaks before they become problems. Know exactly how much you can spend — before payday, not after.
- Automatic transaction import & categorization
- Cash-flow forecasting through your next paycheck
- Subscription leak detector
This month
Understand your score — and move it.
See what's actually driving your score, follow a clear plan to improve it, and simulate the impact of a move before you make it. Education and coaching only — never credit repair.
- Credit score & report, explained plainly
- Score-impact simulator before you act
- Tri-bureau monitoring & dispute templates you send yourself
Your credit score
Kill debt in the right order.
Snowball or avalanche — we show you the math and you pick the method you'll actually stick to. Then we automate the extra payments and track every dollar of progress.
- Snowball & avalanche planners, side by side
- Automated 'snowflake' extra payments
- APR-reduction scripts you can use yourself
Debt payoff · avalanche
Build a cushion — without feeling it.
1, 3, 6 months. Cash-flow-aware automated transfers move money the day after payday so it's saved before you can spend it. Realistic milestones, no deprivation required.
- Automated, cash-flow-aware transfers
- Goal-based savings buckets
- Milestones: $1k → 1 month → 3 months
Emergency fund
saved of $6,000
Next: 1 month of expenses
Know if you're actually ready.
Your real readiness score, the assistance programs you may qualify for, and an honest look at what 'tight' would feel like — so you buy when you're ready, not when you're rushed.
- Homeownership readiness score
- Down-payment assistance program matcher
- Affordability & 'house poor' stress test
Readiness score
Build something that outlasts you.
Wills, beneficiaries, term life, HSA, 401(k), Roth, 529 — the accounts and documents that build lasting wealth, explained in plain English and stacked in the order that gets the most for your dollar.
- Account-funding order, plain and personalized
- Wills & beneficiaries walkthrough
- Tax-optimization alerts
Fund in this order
Estate basics
Will & beneficiaries
Protect the plan you just built.
Life, disability, health, auto, homeowners and renters — each one scored for gaps against your real obligations, with every policy document stored in a private vault. We don't sell insurance and take no commissions.
- Life coverage adequacy using the DIME method
- Coverage gap scorecard across six coverage types
- Policy vault with renewal and beneficiary reminders
Coverage gaps
Leave a plan — not a puzzle.
Wealth transfer rarely fails on tax law. It fails on missing signatures and stale beneficiaries. We audit who's named on every account, estimate what would land in probate, and track the five documents that matter.
- Beneficiary audit across retirement, life and POD accounts
- Probate exposure estimate, asset by asset
- Will, trust, POA, healthcare proxy, living will — tracked
Legacy readiness
The best guaranteed return is unused shelter space.
Employer match, 401(k), IRA, Roth, HSA and 529 — tracked live against this year's limits, ordered by what earns you the most per dollar, with HSA receipts stored for the reimbursement you take years from now.
- Employer-match capture — the free money most people miss
- Live contribution tracking against current IRS limits
- Bracket visualizer: marginal vs. effective, on your numbers
Shelter space used
Inside the member portal
The pillars are the plan. These keep you on it.
Progress tracking, document storage, accounts sync and coaching run underneath every pillar — so nothing you finish gets lost and nothing you owe yourself gets forgotten.
Essentials tracker
Two dozen concrete checks across debt, savings, home, insurance, estate and tax. Completion is saved, so a finished item stays finished.
Readiness summary
One page pulling estate, insurance, homeownership, debt and tax progress together, with the next item to finish in each pillar.
Coach nudges
Pillar-specific prompts generated from your linked accounts, debts, budget, savings and goals — not generic tips.
Credit dispute workflow
Upload a report, have it parsed into tradelines, flag possible errors, and generate FCRA template letters you send yourself.
Accounts sync
Read-only bank and investment connections with sync status, account details, holdings, and guided reconnection when attention is needed.
Goals & net worth
Goal buckets with target dates, plus live net-worth and budget-vs-actual views built from your synced transactions.
Document vaults
Private storage for insurance policies, estate documents and HSA receipts — preview, rename, re-file and download in-app.
Boss Money AI, with limits you can see
Conversation history, pinned answers, and a plan card showing exactly how much AI coaching your tier includes.
Built into every pillar
Boss Money AI ties it all together.
Every feature is backed by the same coach. Boss Money AI reads your real numbers across all nine pillars and always points you to the next concrete move — in plain English, judgment-free.
- Reads your linked accounts, in context
- Explains the why, not just the what
- Recommends the next concrete step
Boss Money AI
● Active
All nine pillars, one platform.
Start free, or lock lifetime access as a founding member before the seats are gone.
Founding pre-sale now open · 500 seats · $299 for life