Paper & Prosperity

Paper & Prosperity is a free personal finance app for budgeting, debt payoff, savings tracking, and building real financial freedom.

Budget. Save. Thrive.

MONTHLY BUDGET
Zero-based budgeting system. Every dollar has a job. Know exactly where your money is going every month.

DEBT PAYOFF TRACKER
Track every debt and destroy it with Snowball or Avalanche strategies. See your debt free date and watch it get closer every single month.

SAVINGS VAULTS
Build savings vaults toward any goal. Emergency fund, vacation, new car, or anything that matters to you. Watch your progress grow one contribution at a time.

PAYCHECK BUDGETING
Plan every paycheck before you spend it. Know exactly what each check needs to cover so you never run out before the next one.

YOUR MONEY COACH
AI-powered personal finance assistant. Ask anything about your budget, debt payoff, or savings goals, or how to use any feature. Answers personalized to your actual numbers. 20 free questions per month.

BILL CALENDAR
Never miss a payment. Track all your bills in one place with reminders before they're due. Mark payments as paid with one tap.

EXPENSE LOG
Track every expense quickly and easily. See exactly where your money went and why.

INCOME LOG
Track all income sources. Full time job, side hustle, freelance, gig work — log it all in one place.

NET WORTH TRACKER
Track your total net worth over time. Watch it grow as you pay off debt and build savings.

FINANCIAL HEALTH SCORE
Your personal financial health score from 0 to 100. Track budget adherence, debt payoff progress, and savings growth all in one number.

SPENDING TRENDS
Charts and reports showing exactly where your money goes. Monthly breakdowns, category totals, and PDF or CSV export.

CASH FLOW FORECAST
See your balance for the next 30 or 60 days, with paydays and bills laid out in order. Plan ahead with confidence.

SMART SUGGESTIONS
Personalized tips based on your actual financial situation. No generic advice — real guidance built around your numbers.

MADE FOR IPAD
A roomy layout with a sidebar and full-size dashboards on iPad, and iCloud keeps it in step with your iPhone and Mac.

COMPLETELY FREE
No ads. No subscription required for core features. 100% private — your personal data stays on your device. No bank connection required. No data sold. Ever.

Built by Debt Free Empire — dedicated to helping real people achieve financial freedom.

Paper & Prosperity — Budget. Save. Thrive.
debtfreeempire.com