YOUR FINANCIAL SNAPSHOT

Everything important, before everything detailed.

Totals update from the information already saved in your plan, debt accounts, balance sheet, dividend tracker, and crypto tracker.

LAST RECALCULATEDJust now

Total net worth$0.00Tracked assets minus tracked liabilities

Monthly cash flow$0.00Income and portfolio cash flow after planned outflow

Total assets$0.00Balance-sheet assets and tracked holdings

Total liabilities$0.00Balance-sheet liabilities and debt accounts

MONTHLY BREAKDOWN

Where the month stands

Edit plan →

Income$0.00

Essentials$0.00

Debt minimums$0.00

Flexible spending$0.00

Portfolio income$0.00

CHOOSE A WORKSPACE

Manage the details

Tracked totals combine saved sections. Enter each asset or liability in only one place to avoid counting it twice.

YOUR MONEY NEEDS AN ORDER OF OPERATIONS

Give every available dollar its next best job.

Enter a few monthly numbers and get one clear next-dollar plan. No account connection, mystery score, or overwhelming setup.

ROUTING ENGINE READY Runs locally in your browser

FREE, FOCUSED, USEFUL

Get one clear monthly answer—not an entire finance operating system.

Free gives you a quick monthly snapshot, up to two income sources and two debts, and one suggested next step. Advanced tools stay visible but unavailable so you can see exactly what a paid plan unlocks.

FREE Monthly cash-flow verdictFREE 2 income sources + 2 debtsPAID FEATURE Tracking, scenarios, investing, AI, and business tools

60-SECOND MONEY CHECK-IN

What changed since your last visit?

Choose the closest answer. We’ll keep your next useful action obvious.

0day momentumOne honest update starts it

MARK TODAY’S PROGRESS

Which useful step did you take?

NEXT BEST ACTION

Run today’s numbers

Update anything that changed, then rerun your route. You decide and move the money.

THIS WEEK

0/3meaningful check-ins

Three brief check-ins are enough. No need to obsess over daily fluctuations.

0/5 QUICK-START MILESTONESFinish setup to make every return more useful

1
Create or sign in to your accountKeep access connected across visits.
Start
2
Personalize your numbersReplace at least one example with your real estimate.
3
Generate your first routeSee the suggested order for your available money.
4
Choose today’s next actionRecord the useful step you took above.
5
Return for a fresh check-inCome back on another day or whenever something changes.
Later

Set the facts

Monthly after-tax figures

Take-home income$

＋BUILD YOUR INCOME MAPYour income sources

Keep dependable monthly income separate from dividends, side work, and one-time money.

No streams added

Type Name Amount Cadence Default job

Essential expenses total$

Essential categories Tap to edit

Monthly housing payment$Enter rent or your required mortgage payment here. Utilities$ Internet$ Phone$ Gas / transportation$ Food / groceries$ Health insurance$ Auto insurance$ Home / renters insurance$ Other essentials$

Debt minimums total$

Debt categories Tap to edit

Credit cards$ Vehicle loans$ Student loans$ Personal loans$ Medical debt$ Tax debt$ Other debt$

Debt accountsAdd every card, vehicle, loan, or balance separately. Totals above update automatically.

0 accounts · $0 owed

Mortgage rule: enter the required monthly mortgage payment once under Monthly housing payment above. Add the mortgage balance and APR here for payoff and net-worth planning; its payment will not be added to Debt minimums again.

Debt type Name Balance APR Minimum

PAID FEATURE · PERSONAL PRO

Monthly money management

Keep bills, debt payments, and recurring subscriptions visible between planning sessions.

Unlock and save →

Monthly expense checklistTrack recurring bills and one-time costs. Link loan bills to a debt account to keep its balance current.

0 due · 0 paid

Add bills to begin this month

Bill name Amount Plan category Schedule Due each month Next payment date Linked debt (optional)

One source of truth: choose categories above, then update the matching essential-expense totals with one click. Existing values in those categories will be replaced, so bills are never counted twice.

Debt accuracy: when marking a linked bill paid, enter the principal amount from the lender statement. Interest and fees are part of the payment but do not reduce the balance.

SubscriptionsSee renewals and the true monthly cost in one place. Active subscriptions are included once in essential expenses—never duplicated as checklist bills.

$0/mo · 0 active

Subscription Charge Billing cadence Next renewal Category Notes (optional)

ACTIVE MONTHLY COST$0Add a subscription to see the next renewal.

Flexible spending$

Safety and debt

PAID FEATURE · PERSONAL PRO

Emergency savings now$ Emergency-fund target High-interest debt balance$ Highest debt APR%

Opportunities

PAID FEATURE · PERSONAL PRO

Unclaimed employer match$ Monthly goal amount$ What are you building toward? Investment strategy Expected long-term investment return%

CHOOSE A PHILOSOPHY

Start with a recognizable money style

Choose a starting approach. You can fine-tune its routing priority below.

Independent Dollar Verdict interpretations for education. The Dollar Verdict is not affiliated with, sponsored by, or endorsed by Dave Ramsey, Robert Kiyosaki, Warren Buffett, or their organizations. These are not their official systems, investment recommendations, or individualized advice.

Fine-tune routing priority Optional

Safety firstBuild cash runway faster BalancedSplit later-stage surplus Debt crusherAttack expensive balances Wealth builderInvest after the foundation

Your next-dollar plan

THE VERDICT

Protect the floor. Capture free money. Attack expensive debt.

KEEP THE MOMENTUM

Turn this one-time verdict into a repeatable system.

Upgrade to save progress, unlock detailed routing inputs, and use the paid planning workspaces.

RECOMMENDED FOR YOUR ROUTE

Make this plan repeatable.

Compare the recommended Pro option →

How the router decides

Cover essentials, flexible spending, and required debt minimums.
Build at least one month of essential expenses as a starter reserve.
Capture available employer match before optional goals.
Prioritize debt at 8% APR or higher, using each account’s APR and terms—not the asset’s depreciation alone.
Complete the selected emergency-fund target, then fund other goals.

ONE FREE RESOURCE

Want a take-away? Use the 15-Minute Money Reset.

Get an immediate personalized seven-day checklist. Email is requested only when you choose to save the checklist; ongoing guidance is optional.

Open the Money Reset →

MONEY DECISION GUIDES

Start with the question already on your mind.

Pay debt or invest?Compare the guaranteed APR return with your next-best alternative. How much emergency fund?Choose a runway based on risk—not a generic rule. 48 vs. 72-month car loanSee why the smaller payment can cost more. What to do with a bonusRoute a windfall without letting it disappear. Can I afford this car?Stress-test the full monthly ownership cost. What to do with a tax refundGive a refund a job before it blends into spending. What to do with a pay raiseAssign new recurring income before lifestyle costs absorb it. How to split a paycheckCover real obligations without forcing a generic percentage rule. Calculate monthly cash flowFind what is actually available for goals and debt reduction. Small-business records checklistOrganize books and prepare a cleaner tax-pro handoff.

Browse all money guides →

PRIVATE BY DEFAULTYour figures stay on this device.

DETERMINISTICThe same inputs produce the same route.

NO ACCOUNT LINKMoney Router does not require bank or brokerage credentials.

AI DECISION CHECK

Can I afford this?

Describe the decision in your own words. The assistant will surface cash-flow pressure, tradeoffs, and missing information—not approve the purchase for you.

VEHICLEHOMEINVESTMENTBUSINESSANYTHING ELSE

QUICK DEPOSIT ROUTER

I just got paid. Where should it go?

Enter the take-home money available right now. Money Router turns your current priorities above into an exact one-time deposit plan.

PAYCHECK VERDICTGive every new dollar a job.

Educational guidance based only on the figures you entered. Confirm tax withholding and account eligibility before moving money.

WHEN FREE GIVES YOU THE VERDICT, PRO BUILDS THE SYSTEM

Stop recalculating. Start making measurable progress.

The free router answers “where should this money go?” Pro helps you model the decision, follow the plan, and bring the results with you.

DEBT COMMAND CENTER

See the payoff path before sending another payment.

Compare avalanche and snowball methods, project interest, and turn extra payments into a visible finish date.

SCENARIO DECISIONS

Test the change before living with it.

Compare income, spending, major purchases, emergency runway, and goal timing without rewriting your base plan.

PROGRESS THAT STICKS

Keep the plan from becoming another forgotten calculator.

Save private check-ins, watch debt and net worth move, and download a clean personal action report.

BUSINESS BOOKKEEPING

Turn scattered transactions into usable records.

Import spreadsheets, capture expenses, store receipts privately, and keep the ledger organized throughout the year.

YEAR-END READY

Hand your tax professional a cleaner starting point.

Business Pro creates a balance sheet, profit-and-loss summary, and detailed year-end transaction package for review.

ONE BUSINESS PLAN

Business Pro already includes Personal Pro.

Manage household and business decisions for $5/month without paying for two separate subscriptions.

Not ready to subscribe? Start with the free Money Reset.Try the interactive result first; email is optional for the downloadable checklist.

Start free Money Reset →

FOUNDING 50 · KEEP YOUR LAUNCH RATE

Choose the system that turns good intentions into visible progress.

Start free, then upgrade when you want the complete workflow. Business Pro includes every Personal Pro tool—you never need two subscriptions.

No bank connection.You review the plan.You move your own money.

Useful tools available immediately—not a promised future product
Secure monthly checkout and subscription management through Stripe
Founding rate stays active while the subscription remains active

BEST FOR HOUSEHOLD MONEYPERSONAL PRO$2/month

Build a repeatable personal money system instead of starting over with another calculator.

Debt payoff command center
Scenario and major-purchase comparisons
Goals, progress history, and cash-flow tools
Holdings workspace and personal reports

MOST COMPLETEBEST FOR OWNERS & SIDE HUSTLESBUSINESS PRO · PERSONAL INCLUDED$5/month

Run household planning and business records together without paying for two separate plans.

Everything in Personal Pro
Bookkeeping and spreadsheet imports
Private receipt storage and transaction records
Balance sheet, P&L, and year-end preparer package

Classroom codes require an individual account and expire automatically · Secure Stripe billing for paid plans · Cancel anytime · 30-day money-back guarantee on your first charge

FOUNDING PRO WORKSPACE

Turn one verdict into a system.

LOCKED PREVIEW

Unlock the payoff calendar, scenario lab, progress history, and branded report.

Personal Pro is $2/month and Business Pro is $5/month. Business includes every Personal Pro feature. Both include a 30-day money-back guarantee on the first subscription charge. Complimentary codes are issued only by Caleb; paid subscriptions do not include guest passes.

AVAILABLE TO ROUTE—

NEXT PRIORITY—

NET WORTH SNAPSHOT—

CASH FLOW & BALANCE SHEET

Put every asset and liability in one clean view.

Debt accounts are your liabilities. Add or edit one in either workspace and the same balance and minimum payment appear everywhere.

TOTAL ASSETS$0

TOTAL LIABILITIES$0

NET WORTH$0

ASSET INCOME / MONTH$0

LIABILITY PAYMENTS / MONTH$0

Assets

0 items

Liabilities = debt accounts

0 items

Linked debts count once in net worth and once in monthly minimums. Updates autosave to your account while signed in.

PAYOFF CALENDAR

Add debt details to calculate a payoff date.

Extra monthly debt payment$

SCENARIO LAB

What changes if your income or spending changes?

Your current Money Router plan is Scenario A. Enter only what would change in Scenario B.

Extra monthly income in Scenario B+$Monthly spending change (negative = cut)$

DEBT STRATEGY OPTIMIZER

Compare avalanche and snowball across multiple debts.

DebtBalanceAPRMinimum123

Extra monthly payoff money$

GOAL TIMELINE

Know the date before setting the transfer.

Goal target$Already saved$Monthly contribution$

PROGRESS HISTORY

Record where the plan stands today.

Current debt balance$Current emergency savings$

WEEKLY MONEY WIN

Make progress visible enough to repeat.

Record one concrete win. The dashboard compares it with your last check-in—small moves still count.

Debt balance now$Emergency savings now$Irregular expenses funded this week$What went right?

SINKING FUNDS PLANNER

Stop predictable expenses from becoming emergencies.

Add insurance, holidays, repairs, taxes, school costs, or annual subscriptions. We calculate the amount needed each paycheck.

NET WORTH CHECK-IN

Track the direction—not a second set of totals.

Your balance sheet is the source of truth. Add or update named items there, then compare this snapshot with your last saved progress check-in.

EMERGENCY RUNWAY

Stress-test how long cash lasts after an income shock.

Liquid emergency cash$Monthly essential burn$Temporary monthly income$

RETIREMENT PROJECTION

Project the compounding path in today’s planning dollars.

Invested now$Monthly contribution$

YearsAnnual return %

TRUE PURCHASE COST

See the payment and ownership cost before saying yes.

Purchase price$Down payment$APR %Term in monthsInsurance/fees monthly$Maintenance monthly$

PRO ACTION REPORT

Take the full plan with you.

DIVIDEND CASH-FLOW TRACKER

Track the income your holdings produced.

Add dividend stocks and ETFs once, refresh current prices and trailing distributions, and see the portfolio's historical cash-flow pattern.

LIVE DATA · SAVED ON DEVICE

PORTFOLIO VALUE$0

TRAILING 12-MO INCOME$0

MONTHLY AVERAGE$0

TRAILING PORTFOLIO YIELD0.00%

Sort holdings

Holding	Shares	DRIP	Latest price	Total value	% of portfolio	TTM / share	Trailing yield	TTM cash flow	Actions

Cash flow by payment month

Actual trailing distributions applied to your current share counts.

Recent payments

Historical distributions—not predictions.

Uses latest available prices and trailing cash distributions—not promised or forward dividends. DRIP adds estimated fractional shares only after a newly reported payment is detected; verify it against your brokerage statement. Positions save automatically on this device and, while signed in, to your Dollar Verdict account. Quotes may be delayed. Educational tracking only; no trades or account connections.

CRYPTO STAKING + LIQUIDITY POOLS

Model yield without hiding the risk.

Use the rate shown by your platform to estimate staking rewards, or compare a two-token liquidity pool with simply holding the tokens.

HIGH RISK · MANUAL RATES

PROJECTED TOKEN REWARDS0 ETH

PROJECTED TOKEN BALANCE0 ETH

APR → EFFECTIVE APY0%

SAVED CRYPTO INCOME POSITIONS

Your staking and LP portfolio

Sort by

POSITION VALUE$0

PROJECTED ANNUAL REWARDS$0

MONTHLY AVERAGE$0

POSITIONS0

Type	Asset / pair	Platform	Token balance	Value	Rate	Auto-compound	Projected annual rewards

Token-price riskValidator/slashing riskLockup + liquidity riskSmart-contract riskDepeg riskImpermanent loss

Rates are entered by you and can change without notice. Projections exclude taxes, token-price changes for staking, validator downtime, slashing, gas, platform fees, exploits, and withdrawal restrictions. This tool does not connect wallets, stake assets, provide recommendations, or execute transactions.

CASH FLOW

Income your portfolio may produce.

Dividend history and entered crypto reward rates, combined in one compact view.

TRAILING DIVIDENDS$0

PROJECTED CRYPTO REWARDS$0

COMBINED ANNUAL CASH FLOW$0

MONTHLY AVERAGE$0

Dividend figures use trailing distributions. Crypto figures use rates entered by you. Neither is guaranteed future income.

BUSINESS MONEY DESK

Keep the books clean while the business grows.

Free bookkeeping stays on this device. Pro Business adds cloud sync, private receipt storage, and year-end financial statements.

FREE BUSINESS

INCOME$0

EXPENSES$0

NET PROFIT$0

Import spreadsheet (.csv or .tsv)Columns: date, type, category, description, amount. Review imported rows before relying on reports.

Date	Description	Category	Type	Amount

Start with the decision in front of you.

Where the month stands

Manage the details

Give every available dollar its next best job.

Get one clear monthly answer—not an entire finance operating system.

What changed since your last visit?

Which useful step did you take?

Run today’s numbers

Set the facts

Safety and debt

Opportunities

Start with a recognizable money style

Your next-dollar plan

Protect the floor. Capture free money. Attack expensive debt.

Turn this one-time verdict into a repeatable system.

Make this plan repeatable.

Want a take-away? Use the 15-Minute Money Reset.

Start with the question already on your mind.

Can I afford this?

I just got paid. Where should it go?

Stop recalculating. Start making measurable progress.

See the payoff path before sending another payment.

Test the change before living with it.

Keep the plan from becoming another forgotten calculator.

Turn scattered transactions into usable records.

Hand your tax professional a cleaner starting point.

Business Pro already includes Personal Pro.

Choose the system that turns good intentions into visible progress.

Turn one verdict into a system.

Put every asset and liability in one clean view.

Add debt details to calculate a payoff date.

What changes if your income or spending changes?

Compare avalanche and snowball across multiple debts.

Know the date before setting the transfer.

Record where the plan stands today.

Make progress visible enough to repeat.

Stop predictable expenses from becoming emergencies.

Track the direction—not a second set of totals.

Stress-test how long cash lasts after an income shock.

Project the compounding path in today’s planning dollars.

See the payment and ownership cost before saying yes.

Take the full plan with you.

Track the income your holdings produced.

Cash flow by payment month

Recent payments

Model yield without hiding the risk.

Your staking and LP portfolio

Income your portfolio may produce.

Keep the books clean while the business grows.

Enter year-end account balances

Stored receipts