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Financial empowerment
Four streams of money. One clear plan.
Budget, debt, savings and credit in one app, with courses that teach you and a coach when you want one.
Tools · HomeExample
Left this month
$412
Income $3,650 minus $3,238 spent, from your uploaded statements
Debt paid off38%
Emergency fund$640
Card utilization22%
Next billRent, Fri
CFrom your coach: Start small and automatic. A $25 transfer every payday gets your first $500 saved.
How it works
Start where your money is today.
No guessing and no spreadsheets. You see your real numbers, learn what to do with them, and get help when you need it.
Step 1
Join the app free
Create your free account and open your Tools. Everything starts empty, ready for your numbers.
Step 2
Upload a statement
Upload a bank statement, check how each purchase was sorted, and approve it into your Budget.
Step 3
Learn the why
Take short courses with a quiz and a test, and track every score in your History.
Step 4
Add a coach
Book sessions, get clear actions after each call, and stay accountable week to week.
The app
Four tools. Each one does one job well.
Your Tools home pulls them together so you can see the whole picture at a glance, including your upcoming bills.
Budget
See where it really went
- Upload a statement, review every purchase, fix any category, then approve
- Bills and a calendar, so every due date is in view
- Set next month's budget from your real spending
- At month end, compare and see your plus or minus
Debt Freedom Center
Attack it in order
- Every balance with its APR, minimum and due date
- Pick a plan: Smallest-Balance First, Highest-Interest First or My Way
- Log extra payments and watch your percent paid off climb
- See your estimated debt-free date
Savings
Save for something
- Goals with a number and a date, so you know what to set aside
- Money Buckets for costs that do not come every month
- Car repairs, holidays and insurance stop being emergencies
Credit
Know it. Strengthen it.
- Track your scores and your utilization on every card
- Review report items and flag anything that looks wrong
- A simple plan of next steps you can check off
Courses
Build the skill. Prove you know it.
Four learning paths, each with Beginner, Intermediate and Advanced levels. Each level unlocks when you finish the one before it.
BeginnerIntermediateAdvanced
CourseShort lessons, each with a quick check
QuizPass with 70% to unlock the test
TestRetake any time, your best score counts
HistoryEvery score and attempt in one place
Budgeting
From your first budget to a monthly routine that runs itself
Saving
Starter fund, emergency fund, then goals with real dates
Debt
Know what you owe, pick a strategy, stay debt free
Credit
Reports, scores, utilization and protecting yourself from fraud
Free live workshops
Money workshops, held often
A live, virtual session where we work through a real budget together. Bring your questions. Times are set in Central and shown in your own time zone in the app.
New dates oftenVirtualFree to join
Community
A newsletter from your coaches
Short posts with tips, resources and files you can download. Read them, like the ones that help, and come back each week.
TipGive every dollar a job before paydayA 10 minute habit that keeps the month on track
ResourceYour first $500 planIncludes a one-page worksheet
Coaching
You don't have to do this alone.
Personal guidance, a real plan and accountability, built right into the app you already use.
Book on your schedulePick any open time on your coach's calendar.
Clear actions after every callSee what you will do and what your coach will do for you.
Notes on your toolsYour coach leaves guidance right where you work.
A recap you can come back toEvery session is saved in your Coach Corner history.
Coach CornerExample
Next session: Wed at 2:00 PM
BookedYour actions this week
List every debt with its APR and minimum
Upload last month's bank statement to Budget
Set up a $25 transfer to savings every payday
Plans
The app is free. Add a coach when you're ready.
Every tool, course and workshop in the app is 100% free to use and access.
Member
100% free
- Budget, Debt, Savings and Credit tools
- All 4 learning paths and 12 levels
- Free live workshops
- The coaches' newsletter
Coaching
Pricing coming soon
- Everything in Member
- Your own coach and booked sessions
- Weekly actions and recaps
- Coach notes on your tools
FAQ
Questions people ask
Is the app really free?
Yes. The app is 100% free to use and access. That includes the Budget, Debt, Savings and Credit tools, every course, the live workshops and the newsletter. Coaching is the only paid option, and it is your choice.
Do I need a coach to use the app?
No. Every member gets the four tools, all the courses, the live workshops and the newsletter. A coach is an add-on for when you want a plan built with you and someone keeping you accountable.
Do I have to upload my bank statements?
No. Uploading statements is the fastest way to see your real spending in Budget, but you can also enter your numbers yourself. You decide what goes in.
What happens at a workshop?
It's a free, live, virtual session on topics like budgeting. We hold them often, and every upcoming date is listed in the app. You can listen in or bring a question. RSVP inside the app and the time shows in your own time zone.
How do the courses work?
Each path has three levels. Every level has short lessons, a quiz and a final test, and you need 70% to pass. You can retake quizzes and tests any time, and your History keeps every score.
Who can see my numbers?
You do. If you have a coach, your coach can see your tools so they can help you. Nothing posts to the community on your behalf.
Is this financial advice?
Streams2Success is financial education and coaching. It is not legal, tax or investment advice. For those decisions, talk with a licensed professional.