Daily challenges, 80+ lessons, and 38 tools — all free. Go Premium for My Money: track your debt, net worth, BNPL, and goals with your real numbers. No bank login required.
Every lesson, challenge, tool, streak, and quiz below is free. No paywall on learning.
One 3-minute challenge every day across spending, saving, debt, investing, and more. Small enough to finish, impactful enough to matter.
Every lesson comes with a beautiful animated infographic. Tap any section for deeper detail. Covers 12 topics from budgeting to negotiation.
Compound interest calculator, debt payoff planner, budget builder, subscription tracker, rent vs buy calculator, and 32 more — right inside your lessons.
Your financial goals and category preferences shape which challenges you see. The app adapts to what matters most to you — not a one-size-fits-all curriculum.
Build momentum with daily streaks. Earn streak freezes every 7 days (max 3) so life doesn't undo your progress. Milestone celebrations at 3, 7, 14, 30, 60, and 100 days.
Completed challenges resurface for review on Day 3, 7, 21, and 66 — the science-backed intervals for long-term habit formation.
Earn points for every challenge and review. Unlock 15 badges and progress through levels. Premium badges reward the most dedicated learners.
15-question knowledge quiz across 5 categories. See where you're strong and where to focus. Share your score card with friends.
Track your completion, skip rate, and resistance score per category. See which money topics you avoid — that's where the real growth is.
Not just lessons — hands-on calculators and trackers built into every topic
See how your money grows over time with visual charts
Snowball vs avalanche — find your fastest path to debt-free
Build a budget based on your actual income in seconds
See what small daily purchases really cost you over years
Compare renting and buying with real numbers for your area
List all your subscriptions and see the annual total
Understand where your paycheck actually goes
Calculate your target emergency fund and track progress
Plus 30 more tools — tax estimators, insurance comparators, savings calculators, DTI calculator, and more
Quick onboarding picks your financial goals and topic preferences. No sign-up, no bank account — just your intentions.
Get a personalized 3-minute challenge with a related lesson and interactive tool. Complete it, learn something, move on.
Spaced repetition resurfaces past challenges at the right intervals — Day 3, 7, 21, 66 — so knowledge sticks long-term.
Earn points, unlock badges, track your behavioral profile, and watch your financial awareness grow with every session.
~1 in 6 NFL players go broke within 12 years — and it's not about how much they earned. The problem isn't income, it's awareness. Carlson et al., 2015
Nearly 4 in 10 U.S. adults can't cover a $400 emergency with cash. More income without awareness doesn't fix it — a plan does. Federal Reserve, 2024
One small daily challenge builds the financial awareness muscle. It doesn't compete with earning — it makes earning stick.
Research shows one small daily action becomes automatic in ~66 days. Our spaced repetition system is built around exactly this science. Lally et al., 2010
Earning more + spending smarter isn't either/or. It's both — and the awareness side only takes 3 minutes.
All the learning is free. My Money is the premium command center for your real finances — built from YOUR numbers, not textbook examples. We do the math; you watch the progress.
A payoff plan for every debt. Real snowball vs avalanche (payments cascade to the next debt), an extra-payment simulator — "+$50/mo → free 14 months sooner" — and your true debt-free date.
Your real net worth over time. Auto-pulls the debts you already track, shows assets vs liabilities, flags milestones, and projects a year ahead.
Every Klarna / Afterpay installment scheduled, one calendar across all plans, and a push reminder 3 days and 1 day before each payment is due.
Set a target, add what you save each month, and see your finish date. A progress ring, a live what-if, and a celebration at every milestone.
Ocean, Sunset, Forest, Midnight — personalize your experience.
Detailed skip patterns, resistance scores, and growth recommendations.
Per-category breakdown with tips beyond just the score.
Exclusive badges for the most dedicated learners.
Try it free: enter one number in any tracker and see your real result. Manual entry — no bank login.
All the learning is free. Premium is My Money — track your real finances. Cancel anytime.
All the lessons, challenges, and tools are free. Go Premium for My Money — track your debt, net worth, BNPL, and goals with your real numbers. 3 minutes a day.