Tell us about your money, income, expenses, savings, debts, and we'll tell you the single most important thing to do next with your dollars. No guesswork, no advice that doesn't fit your situation.
Park a thousand dollars in a separate high-yield savings account before you do anything else. This is the buffer that stops a flat tire from becoming a credit-card balance.
Income, recurring expenses, savings accounts, debts. Five inputs is usually enough to start.
The eight-phase framework runs against your numbers. 401(k) match, debt payoff, emergency fund, retirement, every move is scored.
The single highest-leverage move with your next dollar shows up on a warm-cream card. Nothing else competes for your attention.
TractionFI runs your money through the US Personal Income Spending Flowchart, the same framework used by financial educators to teach the right order of priorities. The engine finds the earliest phase you haven't completed and stops there.
Income minus essentials minus discretionary. You need a number to optimise.
$1,000 in a separate high-yield account. Prevents new debt from forming.
Contribute up to your full match. A 100% return is the highest-leverage move in any portfolio.
Anything above 7 to 8% APR. Eliminate before adding investments, a guaranteed return.
Three to six months of essential expenses. The cushion that lets you negotiate from strength.
4 to 7% APR student loans, lower-rate consumer debt. Paid down before further investing.
Roth IRA, then traditional, then back-door. Aim for 15% of gross household income.
Tax-advantaged savings for healthcare, education, and any remaining long-horizon goals.
The Priority Card is the only warm surface in the product. It changes as your inputs change, but only one shows at a time. Pick a scenario to see what the engine returns.
Park a thousand dollars in a separate high-yield savings account before you do anything else. This is the buffer that stops a flat tire from becoming a credit-card balance.
Five inputs, eight phases, one answer. The card on the right updates in real time as you adjust the numbers, same engine that runs the full dashboard.
Park a thousand dollars in a separate high-yield savings account. This is the buffer that stops a flat tire from becoming a credit-card balance.
If something here doesn't answer what you're actually asking, email hello@tractionfi.app.