DIY Finance

The App

The whole system, in one app.

The front door to all of it — one place to see where you stand, choose what to do next, and follow through, with an honest Score and a coach who works from your real numbers.

Join for first access How the Score works
Launching soon — coming to the App Store. iOS first. Founding members get first access. Status last updated September 1, 2026 — in development.

First open

It starts with one question.

No forms, no lecture. The first thing the app wants to know is what you want your money to do.

You answer one question from Orb, your financial Guide — in a tap, at your own pace. There is no wrong answer, and “I’m not sure yet” is a real option, not a failure state.

From there, the app builds Your Financial Starting Point: a first, honest picture of your financial life across seven factors. Anything it doesn’t know yet is marked as unknown — never guessed, and never counted against you.

DIY Finance · First open

Orb: Hi, I’m Orb, your financial Guide.

Get out of financial trouble Build financial security Build wealth for the future I’m not sure yet
Illustration of the app experience; final interface may differ.

Home

A home screen you choose.

Most money apps decide what you should look at first. This one lets you pick.

Safe Zone

A calm view for steady days — what’s in place, what’s handled, and nothing shouting for your attention.

Freedom Zone

A longer-horizon view for building ahead — what you’re working toward, and how the pieces connect.

Safe Zone and Freedom Zone are views you select — not statuses the app assigns, and never a judgment about where you stand. Switch whenever it suits the season you’re in. The everyday rhythm is built around small, consistent wins — and you’re not walking alone: the Founding Community is on the same road.

The Score

One honest number for where you stand.

The Financial Wellbeing Score reads your whole financial picture — and shows you exactly what tends to move it.

It is not a credit score. Your credit is one factor among seven:

  • Credit
  • Income
  • Expenses
  • Debt
  • Savings
  • Investments
  • Home Equity

Each factor carries a plain-word condition, not a mysterious number band:

Needs Attention Needs Improvement Fair Good Strong

And it won’t score you on guesses. Until enough of your picture is known, the app says so instead of pretending. Estimates are labeled as estimates, and every Score arrives with the reasons attached — what’s holding it where it is, and what could lift it.

How the Score works →

The Journey

One step at a time, in the order that fits your life.

Knowing where you stand only matters if you can see what to do about it.

The Journey organizes your priorities at your own pace — it’s not a ladder you must climb in order. When you’re ready to act, Your Next Best Step surfaces one Guided Action at a time: what it is, why it’s up next, and what the alternatives are. You can take it, adjust it, defer it, or take it to a professional. The choice is always yours.

Explore the Journey →

Your Guide

Meet Orb, your financial Guide — a coach, not an advisor.

Type or talk out loud. Orb works only from your real numbers — never from a script, never from someone else’s life.

Orb remembers your context between sessions — and forgets anything you tell it to. It surfaces Your Next Best Step with the reason and the alternatives, and leaves the decision where it belongs: with you.

When numbers appear — dates, interest, payoff math — they come from the software, with the assumptions shown. Orb explains them; it never invents them.

Want tough love, or encouragement? Orb adapts. What never changes: Orb is coded — not just instructed — never to give individual investment advice.

DIY Finance

Member: Be honest — how bad is it?

Orb: Honest, always. Two of your seven factors need attention right now: Debt and Savings. The other five are steadier than you might think. Your Next Best Step is a payoff plan for the higher-interest card — I can show you the math and two alternatives, and you decide what fits.

Member: Show me the plan.

Orb: Here it is. The assumptions are listed underneath so you can check my work — change any of them and the numbers update. Nothing happens unless you choose it.

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.

Bank connection

Read-only, by design.

The app can see your balances and transactions to keep your numbers real — and that is all it can do.

Read-only access through Plaid. We never see or store your bank password. Prefer to type it in yourself? Manual entry works too.

The connection has no way to touch your accounts: we can never move your money. No transfers, no payments, no exceptions.

What it’s like

One story, start to finish.

Mechanisms are easier to trust when you can see them inside a life that looks like yours.

Day one

An ER nurse carrying balances on two cards opens the app for the first time. She answers one question — “Get out of financial trouble” — links her accounts read-only, and sees Your Financial Starting Point: seven factors, two reading Needs Attention, one marked honestly as not enough information yet. No Score appears — not until enough of her picture is known.

The reveal

A few days later, enough is known. Her Score arrives with the reasons attached: what’s holding it where it is, and what tends to move it. It doesn’t flatter her, and it doesn’t shame her. It describes her current position — and points at the way up.

Week two

One Guided Action at a time: a payoff plan for the higher-interest card, assumptions shown, alternatives listed. She adjusts it to fit her paycheck schedule and saves it. When a run of night shifts swallows the week, nothing scolds her — the plan is still there, and so is Orb.

This is an illustrative example, not a Member story. Illustration of the app experience; final interface may differ.

By design

What the app will never do.

Some promises are easy to keep, because they’re built in — not bolted on.

Move your money

There is no transfer button to press by mistake. Bank connections are read-only; the app plans, projects, and reminds — you act, on your own accounts, on your own terms.

Sell your data

Your information is never sold. Your bank password never touches our systems, and sensitive data is encrypted.

Score you on guesses

Unknown never counts as zero. Until enough of your picture is known there is no Score — and estimates, when shown, are labeled as estimates.

And your data stays yours: export everything anytime, delete your account and your data, or tell Orb to forget something — and it does.

How we protect your data →

Pricing

Honest pricing, posted plainly.

There’s a free tier and a paid membership — and the full price list will be published right here before launch.

The free tier is genuinely useful on its own. The paid membership adds coaching with Orb and automatic bank sync — real costs we won’t pretend are free. No hidden tiers, and no “contact sales.”

Whatever the tier: connections stay read-only, your data is never sold, and you can export or delete it anytime. The trust facts don’t change with the price.
Join for first access

Questions

Answered before you join.

Straight answers to the things visitors check first.

Is my data secure?Read-only linking, encryption, export and delete — the specifics Is this financial advice?No — and what that means in practice When does the app launch?iOS first; founding members get first access

Join the Founding Community →