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Free after signup

Build your personal financial roadmap. Know your next best move.

Create a free account, build a personalized roadmap, track your progress, and let a rules-based engine tell you what to do next — based on your real numbers, not generic advice.

Start my free financial roadmap See how it works

No SSN required. We do not store bank credentials. Encrypted in transit and at rest. Delete your data anytime.

Your financial freedom score
Sample
62
/ 100
Stage
Capture employer match
Top action
Increase 401(k) to 6% to capture full match
Emergency fund
$8,400 of $14,400 (4.0 months)
Toxic debt
$0
A real engine, not a chatbot

A rules-based recommendation engine produces your roadmap. Every recommendation cites the inputs used and what would change it.

Free engine. Optional AI.

Roadmap, dashboard, decision cards, calculators, and progress tracking are free. Next Move AI is the only paid feature.

Built for sensitive data

Field-level encryption with envelope architecture, no SSNs, no bank credentials, audit logging, and delete-on-demand.

The 9-stage financial roadmap

Most personal-finance advice is one-size-fits-all. The OfficialFinancial engine places you on a stage and shows you the next three highest-leverage moves for your specific profile.

  1. 1
    Stabilize cash flow
  2. 2
    Build emergency protection
  3. 3
    Eliminate toxic debt
  4. 4
    Capture employer match
  5. 5
    Max tax-advantaged accounts
  6. 6
    Optimize taxes
  7. 7
    Build taxable wealth
  8. 8
    Accelerate financial independence
  9. 9
    Protect & preserve wealth

Create a free account so we can save your roadmap.

Your roadmap requires saved data, progress tracking, and weekly updates. Signup is for personalization, not paywall.

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