Master Your Money, Utah Style

The only personal finance platform built exclusively for Utah residents. Connect your accounts securely and discover personalized financial insights that help you save more and spend smarter.

🏦 Bank-Level Security 📊 Real-Time Analytics 🎯 Utah-Specific Programs 💰 100% Free
Start Managing Your Money Today

Your Financial Dashboard

Total Balance
$12,847.32
+$234 this month
📈 Spending Trends
💳 Checking
💰 Savings
📈 Investments

Everything You Need to Win With Money

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Smart Expense Tracking

Automatically categorize and track every transaction. See exactly where your money goes with beautiful, easy-to-understand charts and insights.

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Utah-Specific Programs

Discover financial programs, tax benefits, and savings opportunities available exclusively to Utah residents. We'll match you with the best options for your situation.

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AI-Powered Insights

Get actionable recommendations based on your real spending patterns. Our AI analyzes your data to help you save more and reach your financial goals faster.

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Smart Monitoring

Stay on top of your finances with instant notifications about unusual spending, bill reminders, and opportunities to save money.

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Homeownership Tools

Check your mortgage eligibility and refinance opportunities instantly. We analyze your real income, expenses, and DTI ratios to find the best Utah homeownership programs.

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Secure Account Connection

Connect all your Utah bank accounts safely using Plaid's industry-leading security. Your data is encrypted and never stored on our servers.

Your Security is Our Priority

We use the same security standards as major banks to protect your financial information. Your data is encrypted, never stored permanently, and only used to provide you with personalized insights.

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256-Bit Encryption

Bank-level security for all your data

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Plaid Integration

Powered by trusted financial technology

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Utah-Owned

Local company serving local residents

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Never Sold

Your data stays private, always

Real Utah Residents, Real Results

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Sarah M.
Provo, UT

"I saved $347 in my first month just from the Utah-specific programs they found for me. The expense tracking opened my eyes to where my money was really going."

💰 Saved $347/month
DJ
David J.
Salt Lake City, UT

"Finally, a financial tool that understands Utah! They helped me find local credit union benefits I never knew existed. My credit score improved by 89 points."

📈 +89 Credit Score Points
MR
Maria R.
Ogden, UT

"The homeownership tool was incredible! It showed me I qualified for three Utah programs I didn't know existed. I'm closing on my first home next month with $8,000 in down payment assistance."

🏠 First Home Purchase + $8K Assistance

Over 12,000 Utah Residents Trust Us

$2.3M+
Total Saved by Users
847
Utah Programs Found
4.9★
Average Rating

Utah Homeownership Made Simple

Stop guessing if you qualify for a mortgage or refinance. Get instant, accurate assessments based on your real financial data.

🏡 Instant Mortgage Eligibility Check

Real-Time Income Verification: We analyze your actual bank deposits and transaction history to verify your true income, not just what's on paper.
Accurate DTI Calculation: Get precise debt-to-income ratios based on your actual spending patterns and recurring payments.
Utah Program Matching: Instantly see which Utah Housing Corporation programs, credit union special rates, and local first-time buyer incentives you qualify for.
Pre-Approval Readiness: Know exactly what documents you need and get estimated approval amounts before you even visit a lender.

Sample Eligibility Report

Monthly Income: $6,847
Monthly Expenses: $3,245
DTI Ratio: 22% ✓
Max Loan Amount: $485,000
✓ You qualify for 3 Utah programs!
Including Utah Housing First-Time Buyer

Refinance Savings Calculator

Current Rate: 6.8%
Available Rate: 5.9%
Monthly Savings: $247
Annual Savings: $2,964
💰 Refinancing recommended!
Break-even in 14 months

💰 Smart Refinance Analysis

Current Loan Analysis: We review your payment history and current terms to identify refinance opportunities.
Rate Shopping: Compare rates from Utah credit unions and local lenders that offer the best terms for your profile.
Break-Even Calculation: See exactly when refinancing costs will be recovered through monthly savings.
Cash-Out Options: Discover opportunities to access your home equity for investments or debt consolidation.

Ready to Check Your Homeownership Options?

Get your personalized mortgage eligibility and refinance analysis in under 5 minutes.

Start Your Home Analysis Now

Why Utah Residents Choose Us Over National Apps

Most financial apps treat all states the same. We're different - built specifically for Utah's unique financial landscape.

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Utah-Specific Programs

We know about Utah Housing Corporation programs, local credit union benefits, state tax advantages, and municipal savings programs that national apps miss.

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Completely Free Forever

No premium tiers, no hidden fees, no surprise charges. Our mission is to help every Utah resident succeed financially, regardless of income level.

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Local Support Team

Our customer support team is based right here in Utah. They understand local banks, credit unions, and financial institutions personally.

See Your Complete Financial Picture in Minutes

1
Connect Your Accounts
Securely link your Utah bank accounts, credit cards, and investments using Plaid's trusted technology.
2
Get Instant Analysis
Our AI immediately analyzes your spending patterns and identifies opportunities to save money.
3
Discover Utah Programs
We'll match you with state and local financial programs you qualify for but didn't know existed.
4
Start Saving Immediately
Get personalized recommendations and begin optimizing your finances from day one.

Average First-Month Results

$284
Money Saved
3.2
Programs Found
15%
Spending Optimized
7
Minutes to Setup

Frequently Asked Questions

Everything you need to know about our free Utah financial platform

Is this really free? What's the catch?

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Yes, it's completely free forever. No trials, no premium upgrades, no hidden fees. We're funded by partnerships with Utah financial institutions who value serving our local community. Your data is never sold.

How secure is my financial data?

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We use Plaid, the same technology trusted by Venmo, Robinhood, and major banks. Your data is encrypted with 256-bit security, and we never store your login credentials. We're also SOC 2 compliant and regularly audited.

Do I have to live in Utah to use this?

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Yes, this service is exclusively for Utah residents. Our value comes from understanding Utah's specific financial landscape, local programs, and state-specific opportunities that aren't available elsewhere.

How quickly will I see results?

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Most users see immediate insights after connecting their accounts. Homeownership eligibility results appear within 2-3 minutes. We'll identify savings opportunities and Utah programs within minutes, and you can typically apply the same day. Average users save $284 in their first month.

What Utah-specific programs do you help with?

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We help you find Utah Housing Corporation programs, local credit union benefits, state tax credits, utility assistance programs, first-time homebuyer incentives, down payment assistance programs, refinance opportunities with Utah lenders, and dozens of other state and local financial opportunities.

Ready to Join 12,000+ Smart Utah Residents?

Start optimizing your finances today with Utah's most trusted free financial platform.

Setup takes less than 7 minutes. See results immediately. Cancel anytime (but you won't want to).

Get Started Free - Connect Your Accounts Now

✓ Free forever - no trials or upgrades    ✓ Bank-level security with Plaid    ✓ Utah residents only

✓ Average $284 saved in first month    ✓ Local support team    ✓ Cancel anytime

🔒 Your data is encrypted and never sold. We're Utah-owned and operated.