FincluYou

For real households

Most apps track your spending.
We tell you what to pay first.

Answer five questions about your household. We qualify where your family stands, put your bills in the right order, and match you with assistance programs you may qualify for.

Build my household plan →I have an account

Free. No bank connection needed.

Try it now — no signup

Building Foundations · 131% of poverty line
Family size
4
Children
2
Dep. adults
0

70%

needs

15%

wants

15%

savings

Pay in this order:

  1. 1

    Housing & utilities

    A safe roof, heat, water and power come before everything else.

  2. 2

    Food & groceries

    Plan meals and shop with a list — food is the most flexible essential.

  3. 3

    Health insurance & care

    One uninsured emergency can erase years of savings.

  4. 4

    Childcare & kids' essentials

    With 2 children, look into Child Tax Credit, CCAP childcare subsidies and school meals.

You may qualify for

MedicaidWIC & free/reduced school mealsLIHEAP (energy bill help)Earned Income Tax Credit (EITC)ACA marketplace premium tax credits
Continue with these numbers →

This is an example preview. Save it to track bills, goals, and get advice.

Three things no budget tracker does for you

Differentiator 1

Qualify your household, not just your income

A single income number tells you almost nothing. We look at your family size, dependent children, dependent adults, and disability status against the current federal poverty guidelines — then place your household in a tier (Critical, Low, Moderate, or Stable) that shapes every recommendation you get.

  • ✓Compared against 2025 federal poverty guidelines
  • ✓Tiers adapt to children, dependents, and disability
  • ✓Your needs / wants / savings split follows your tier

Differentiator 2

A pay-in-this-order list, not a spreadsheet

Other apps show you where the money went. We show you what to do next: a ranked priority list of what to pay first, with plain-language reasons for each step — and warnings when housing eats more than 30% of income or debt payments top 15%.

  • ✓Ranked priorities in plain language, not jargon
  • ✓Housing-over-30% and debt-over-15% warnings
  • ✓Track daily, weekly, and monthly money in and out

Differentiator 3

Assistance programs, matched automatically

Millions of households miss help they already qualify for. Based on your tier and household makeup, we surface programs like SNAP, WIC, Medicaid, LIHEAP, the EITC, and ACA premium credits — and explain each one in a sentence, not a government form.

  • ✓SNAP, Medicaid, WIC, LIHEAP, EITC, ACA credits
  • ✓One-sentence explanations of what each program does
  • ✓Updated as your household or income changes

How it works

1

Tell us about your household

Five questions: income, family size, dependent children and adults, and disability status. Takes about a minute.

2

Get your tier and pay-first list

See where your household stands, what to pay first, and which programs you may qualify for — all on one page.

3

Keep learning as you track

Log money in and out, set year goals like a vacation or a house, and ask the built-in advisor about any money decision.

Your household deserves a plan, not a guess.

Five questions. One clear order to pay in. Help you may not have known you qualified for.

Start my free plan →