Make your dollars work harder than you do.
Tired of living paycheck to paycheck? Working Dollars builds your first budget in about five minutes, shows where you stand, and gives you one next right step at a time.
Invite-only beta. 30-day free trial, no card needed. In English and Spanish.
What you get
Where small steps lead
One surprise bill shouldn’t mean new debt. No pressure, no big promises: just what tends to happen when you keep taking the next step.
“Every time I pay one bill, another one grows.”
Debt that goes down, not around
One payoff plan for every card and loan. When one is paid off, its payment moves to the next, and you watch the total fall.
“One flat tire and I’m back on a credit card.”
A cushion for surprises
Start with $250. Then $500, then $1,000, then a few months of expenses. A surprise becomes a bump, not a crisis.
“I’ll never get ahead.”
Money that starts working for you
Once the debts are gone and the cushion is there, your extra goes to retirement and growing what you own. One step at a time.
The plan
How it works
Four stops. The first one is already lit.
Start where you are
Your pay, your accounts, and a first budget built for you. You see where you stand right away.
5 minutesGet your next step
One clear move from your plan, like your first $1,000 cushion or an extra payment on one card.
2 minutesClose out each month
Update your balances, see what changed, plan next month, then make the moves. No bank connection needed.
15 minutes a monthWatch it add up
Debt falls, the cushion grows, and your months-in-a-row streak climbs. Share your progress with someone you trust, if you want.
Every month
Good to know
Questions, answered
How much does it cost?
Every household starts with a 30-day free trial, no card needed. Pricing will be announced before launch. A friend, family member, church, or employer can also cover it.
Do you connect to my bank?
Not today. You type in month-end balances yourself, which takes a few minutes. Optional bank connections may come later, and connecting will always be your choice.
Is this financial advice?
No. Working Dollars gives you tools and general education. For advice about your situation, talk with a licensed professional.
Is it available in Spanish?
Yes. The whole app works in English and Spanish, and you can switch any time. Ver en español
Ready to see where you stand?
We’re in a small, invite-only beta. Request an invite and we’ll email you as spots open up.