A letter from the founder
The math I kept doing at 2am.
There is a specific kind of arithmetic you do in the dark. Rent, card minimums, the number in checking, how many paychecks until it breaks. I did it with a good salary. I did it in months where, on paper, I was fine.
That was the part nobody talked about. Every app I tried wanted to grade my past: what I spent on food, whether I stayed under some line I drew for myself in a calmer month. None of them could answer the question I was actually asking, which was simpler and much heavier. If the income stopped tomorrow, how long would I stand?
Your credit score answers a lender's question. Nothing answered mine. So I built the thing I wanted: a complete money app where every account lives in one place, and on top of it one number, the WealthAge Resilience Score, that simulates a shock against your real finances and tells you, plainly, how many months you would last. It shows its reasoning. It moves when your life moves. The method is published where anyone can read it.
Here is what it will not do. It will not shame you, streak you, or sell your data to make rent. It will not promise you can't be laid off. It stops the guessing, and a number that flatters you is worthless the day it disagrees with you.
The score is free and stays free. The app has one published price, because the last generation of free money apps died and took people's history with them. You pay us. That is the whole business model, and it is why we will still be here.
Look at your number. That is the only thing I want you to do today.
Steven, who built it