Financial Fitness Passport™

The software lets individuals enter basic financial information—income, savings, debts and goals—without linking any bank accounts. An on‑device AI engine then processes the data, calculates a personalized “Retirement Number™” and a “Passport Score,” and produces a roadmap of actions to improve long‑term financial health. The dashboard displays metrics such as emergency‑fund status, debt progress and retirement readiness, and users can export or delete their data at any time.

A Pro tier adds an always‑on AI companion named Penny, who answers questions in plain English, runs “what‑if” scenarios, and can analyze uploaded documents such as insurance policies, estate papers, employee‑benefit guides, investment statements and tax returns. The analysis is performed temporarily and the documents are deleted immediately after use, maintaining a privacy‑first stance.

The tool is aimed at individuals, employers, financial advisors, banks and credit unions that want a self‑service, privacy‑focused financial‑fitness solution with AI‑generated insights and a clear, actionable plan.