Build the Life You Want.
DIY Finance is a financial support system built into a single app, with Orb, your financial Guide, inside it. It reads your whole financial picture — seven factors, one honest number — and turns what it sees into one clear next step at a time.
Read-only bank accessYour data is never soldA financial coach, not an investment advisor
The seven factors of real life
- Credit
- Income
- Expenses
- Debt
- Savings
- Investments
- Home Equity
What DIY Finance is
A wellbeing system for your money — one Score, one Guide, one Journey.
Three pieces, one job: help you see your money clearly and take the next step yourself.
The Financial Wellbeing Score
One honest 0–100 number for where you stand, built on seven factors of your real financial life. It won’t score on guesses: until enough is known, it says so instead of pretending.
The numberOrb, your financial Guide
A financial coach, not an investment advisor. Orb works from your real numbers and surfaces Your Next Best Step with the reason attached — and the choice always stays with you.
The GuideThe Journey
Priorities organized across phases at your own pace — honest milestones, no deadlines, no shame. Progress starts from your current position, never a verdict.
The pathWho this is for
Built for the people who keep everything running.
Nurses, teachers, drivers, line cooks, parents — people with real bills and real hopes. This was built for your kitchen table, not a trading desk.
Say it out loud
Let’s get real.
Whatever you’d only admit at the kitchen table — start there. This is how people talk about money when nobody’s judging. Open the one that sounds like you.
“I avoid looking at my account.”
That’s usually self-protection, not laziness. When every glance could bring bad news, not looking is a reasonable thing to do.
The fix isn’t more discipline. It’s making the first look gentle.
“One surprise away from trouble.”
A car noise. A copay. A short paycheck. Living close to the line means every week has a cliff in it, and no lecture about lattes fixes that.
What helps is seeing the cliff before you reach it — and knowing the one move that matters this week.
“We make okay money. Why is it still tight?”
Because okay money meets real life: rent that grew, kids, parents, and quiet leaks nobody designed on purpose.
The math isn’t a mystery. It’s just never been laid out in one honest place.
The web
Money touches everything.
Financial strain rarely stays inside the account. It travels the threads — debt usually pulling heaviest — into sleep, into the household, into how work feels and how tomorrow looks.
Strain travels out from the center — and steadiness can travel the same threads back.
- Your finances — the center of the web strain spreads from here — and steadying does, too
- Peace of mind the mental load, steadied: room to think
- Sleep & health the 2am math, steadied: rest, again
- Marriage & family arguments over money, steadied: one plan, together
- Work distraction on shift, steadied: focus that holds
- Food & housing one missed payment from trouble, steadied: a cushion between you and the surprise
- Retirement borrowing from tomorrow, steadied: tomorrow, funded first
- Lifestyle the expenses that carry it, steadied: spending that fits the life
None of that is a personal failing — it’s just how the web is strung. And it works the other way, too: steady the center, and the rest of the web tends to steady with it. Not overnight, and not by magic — one steady step at a time. That’s the work this support system was built for.
See it work
The first ten minutes.
No hype reel. This is the actual opening of the app — a question, a picture, a number, a step.
Four screens, in order
- It starts with a question. You tell Orb what you want your money to do. “I’m not sure yet” counts as an answer.
- Your Financial Starting Point. Seven factors, one honest picture. Unknowns stay unknown — never guessed, never counted against you.
- One honest number. The Financial Wellbeing Score, 0 to 100. It waits until it knows enough — and it arrives with the way up.
- Your Next Best Step. One Guided Action, with the reason attached. Take it, swap it, or set it down.
DIY Finance · First openOrb: Hi — I’m Orb, your financial Guide.
Orb: Before any numbers, one question.
What do you want your money to do?
However you answer, nothing is graded — and you can change your mind any time.
DIY FinanceYour Financial Starting Point
- Credit Fair
- Income Good
- Expenses Needs Improvement
- Debt Needs Attention
- Savings Needs Attention
- Investments Not enough info yet
- Home Equity Not enough info yet
No Score yet — it stays held until enough of your picture is known.
DIY FinanceFinancial Wellbeing Score
Every Score arrives with its reasons attached.
DIY FinanceYour Next Best Step
Orb: Ready when you are. One step, sized to your month.
Set aside a starter cushion this payday.
Why this is next: your Savings factor is asking first, and even a small cushion tends to soften the next surprise bill.
Take it, adjust it, or set it down — every decision stays yours.
Sample data, shown for illustration. Illustration of the app experience; final interface may differ.
Four screens, in order.
DIY Finance · First openOrb: Hi — I’m Orb, your financial Guide.
Orb: Before any numbers, one question.
What do you want your money to do?
However you answer, nothing is graded — and you can change your mind any time.
1It starts with a question. You tell Orb what you want your money to do. “I’m not sure yet” counts as an answer.
DIY FinanceYour Financial Starting Point
- Credit Fair
- Income Good
- Expenses Needs Improvement
- Debt Needs Attention
- Savings Needs Attention
- Investments Not enough info yet
- Home Equity Not enough info yet
No Score yet — it stays held until enough of your picture is known.
2Your Financial Starting Point. Seven factors, one honest picture. Unknowns stay unknown — never guessed, never counted against you.
DIY FinanceFinancial Wellbeing Score
Every Score arrives with its reasons attached.
3One honest number. The Financial Wellbeing Score, 0 to 100. It waits until it knows enough — and it arrives with the way up.
DIY FinanceYour Next Best Step
Orb: Ready when you are. One step, sized to your month.
Set aside a starter cushion this payday.
Why this is next: your Savings factor is asking first, and even a small cushion tends to soften the next surprise bill.
Take it, adjust it, or set it down — every decision stays yours.
4Your Next Best Step. One Guided Action, with the reason attached. Take it, swap it, or set it down.
Sample data, shown for illustration. Illustration of the app experience; final interface may differ.
DIY Finance is a financial coaching tool, not an investment advisor. Orb’s guidance is educational. For tax, investment, or legal advice, consult a licensed professional.
01 — The picture
Understand where you stand.
The app builds Your Financial Starting Point from what you share and what your linked accounts show — an honest read across seven factors, each with a plain-language condition instead of mystery math.
Anything the app doesn’t know is marked unknown — no guesses, nothing held against you.
- Credit Fair
- Income Good
- Expenses Needs Improvement
- Debt Needs Attention
- Savings Needs Attention
- Investments Not enough info yet
- Home Equity Not enough info yet
02 — The number
See one honest number.
The Financial Wellbeing Score takes in all seven factors, 0 to 100 — to level with you. It doesn’t flatter and it doesn’t shame; it tells you the truth, kindly, and points at what tends to move it.
No Score appears until there’s enough data to earn one — and every Score arrives with its reasons attached.
What the Score reads
Seven factors. Zero mystery.
Your Score is built from seven parts of your real financial life. Each one carries a plain-language condition — never a grade curve, never a ranking against anyone else.
- CreditGood
- IncomeStrong
- ExpensesFair
- DebtNeeds Attention
- SavingsNeeds Improvement
- InvestmentsFair
- Home EquityGood
Sample conditions, shown for illustration. Illustration of the app experience; final interface may differ.
It waits for real data.
No number until there’s enough truth to stand on. If a factor doesn’t have sufficient data yet, the Score holds off and says so — a guess dressed up as precision helps no one.
It shows its work.
Every factor comes with the why: what it looked at, what changed, and what tends to move it. If you can’t see the reasoning, it isn’t your number.
It arrives with the way up.
The Score is never handed to you alone. It comes holding Your Next Best Step — so an honest number is a starting line, not a verdict.
03 — The step
One step at a time. Chosen by you.
When you’re ready to act, Your Next Best Step surfaces one Guided Action — what it is, why it’s up next, and what the alternatives are. No wall of tasks, no forty-point plan. One step, sized to this month, this paycheck, this morning.
Every Guided Action shows its reasoning and its alternatives. You can take it, adjust it, set it down, or bring it to a professional.
Start a payoff plan for the higher-interest card.
Why this is next: it carries your highest interest cost right now. A steady plan here could ease pressure on two of your seven factors.
04 — The keys
Keep every decision yours.
Orb coaches from your own numbers and then hands the pen back. Even the home screen — Safe Zone or Freedom Zone — is a view you select for the season you’re in, never a status the app assigns to you.
Orb is coded — not just instructed — never to give individual investment advice (ex: stock selections, portfolio allocations).
Safe Zone
A calm view for steadying seasons — what’s in place and what’s handled.
Freedom Zone
A longer-horizon view for seasons of building ahead.
Member-selected views of the same honest numbers — switch whenever it suits.
The full cycle
A complete system for improving Financial Wellbeing.
Understand where you stand, measure it honestly, organize what matters, act on it, and review how it went.
Framework
The foundations, capabilities, and resources that support important life decisions.
Score
Track change across seven factors of your financial life — without reducing your life to a number.
Journey
Organize your priorities at your own pace — not a fixed order you must follow.
Actions
Turn understanding into progress through specific steps you choose.
Review
Look back, adjust, and keep going. The cycle never ends.
Your path forward
Seven Factors. One Personalized Journey.
Understand every part of your financial life. DIY Finance helps you decide what matters now, what comes next, and what can wait.
- Credit
- Income
- Expenses
- DebtNow
- SavingsNext
- Investments
- Home EquityCan wait
Illustrative — your order comes from your own numbers.
Nobody climbs in one leap. You take the next step.
The direction of travel: out from under the weight of high-interest debt, toward freedom from worry — and, further on, toward freedom to adventure: the life you’re building. An aspiration, not a promise. But every step points that way.
Meet Orb
A Guide who lights the next few feet.
Orb walks with you. It reads your real numbers, explains any factor in plain sentences, and holds the light steady while you decide. No interrogation, no lecture, no glare — you set the pace, and you make every call.
- It shows its work. Every explanation comes with the why — what a factor measures, what moved it, and what tends to move it next.
- It offers, never orders. Your Next Best Step arrives as a Guided Action you can take, adapt, or skip. Your call, always.
- It’s there at your hours. Questions about your own numbers get answers at 5:47am or 11pm, without judgment.
DIY Finance is a financial coaching tool, not an investment advisor. Orb’s guidance is educational. For tax, investment, or legal advice, consult a licensed professional.
The promises
Boring where it counts.
Read-only access
Bank connections run through Plaid and are read-only. DIY Finance can see your accounts to help you understand them — it can never move a dollar.
Encrypted fields
Sensitive fields are encrypted. The details that identify you are protected at the field level, not just at the front door.
Never sold
Your data is never sold. Not to advertisers, not to brokers, not “anonymized and aggregated.” Never.
Yours to take
Export everything or delete everything, any time, from inside the app. Leaving is allowed to be easy.
A financial coach, not an investment advisor
DIY Finance is a financial coaching tool, not an investment advisor. Orb’s guidance is educational. For tax, investment, or legal advice, consult a licensed professional.
The whole idea
DIY Finance in 100 words.
Know your numbers. All seven — credit, income, expenses, debt, savings, investments, home equity. Write down why you want to change; the reasons will carry you. Set goals you can measure. Erase high-interest debt first. Track every hard-earned dollar and live on less than you make. Pay yourself first. Invest monthly, early, and capture the employer match. Let home equity force savings over time. Review honestly, adjust, and keep moving forward — it’s a journey, not a race. Be quick to ask for help, and quicker to offer it. Then take Your Next Best Step. That’s the whole system. That’s DIY Finance.
Membership
The deal, plainly.
Free Membership
The whole system, free
- Your Financial Wellbeing Score — all seven factors, with its reasons
- Goals you set and track at your own pace
- Your net worth, in one place
- Coaching with Orb, your financial Guide — from your real numbers
- Automatic bank sync, read-only, so the picture stays current
The foundation stays free. It’s the point, not the teaser.
Live Membership
Add a human voice
- Everything in Free Membership
- DIY Finance Live: the ability to meet live with a real person about your money
- The same honest picture on the table — with a human across from you when a conversation calls for one
Full details on Live sessions arrive with launch, in plain words.
No dollar figures here yet on purpose: full pricing gets published before launch — the whole number, in the open, before you’re asked to decide.
The start
Start your journey.
The mobile app is launching soon. Founding members hear everything first — the methodology, the plain-language pricing, the launch date — written like a human wrote it.
Questions first? Read the FAQ or read the trust commitments.