Monthly income
$0
Monthly bills
$0
Total debt
$0
Monthly surplus
$0
Freedom Timeline — 5 years to homeownership
Debt free
Credit 680+
Down payment
Today
Budget breakdown
Debt payoff progress

Income

Add all income sources for both Damien and Salena. Upload a paystub image to auto-extract amounts, or enter manually.
Damien
$0
Salena
$0
Joint
$0
Total monthly gross$0 gross
Total monthly net (take-home)$0 net
Annual net income$0

Debts

Assign each debt to Damien, Salena, or Joint. Use the tabs to view by owner or payoff strategy.
Damien's debt
$0
Salena's debt
$0
Joint debt
$0
Total debt balance$0
Total minimum payments$0/mo

Monthly bills

All fixed and recurring expenses — rent, utilities, subscriptions, insurance, phone, groceries.
Total monthly bills$0
Annual bills cost$0

5-year plan

Your path to homeownership
Add your income, debts, and bills to generate your personalized plan.
Year-by-year milestones
Projected debt payoff vs savings
Credit score action plan

Target states

0 targeted
All 50 states with home price, score, and program data. Toggle any state into your target list. Your targeted states appear first.

Credit score tracker

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Damien
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Salena
Real-time credit score APIs — what's available
No free public credit score API exists without a hard pull. The options below are the legitimate paths — each involves a formal agreement with a bureau or fintech partner.

BestCredit Karma / Intuit API

Free VantageScore 3.0 from TransUnion and Equifax via their consumer app. No hard pull. No public API — you'd need a formal data partnership with Intuit. For personal use: both of you sign up at creditkarma.com and check weekly. Updates every 7 days.

DeveloperExperian Connect API

Official Experian API for fintech apps. Returns FICO Score 8, tradelines, and full credit report data. Requires business account, compliance review, and per-pull fees (~$1–3/pull). URL: developer.experian.com

DeveloperTransUnion TrueVision / FactorTrust

B2B API for lenders and fintechs. Full FICO + VantageScore access. Requires signed data use agreement. Not available to individual consumers. transunion.com/business/credit-risk

PracticalPlaid + Finicity

Plaid Consumer Report and Finicity (Mastercard) offer credit score data as part of their open banking APIs. Require app registration. Best path if you eventually want to build a full personal finance app around this planner. plaid.com/products/consumer-report

Recommendation for your use case: Both of you create free accounts at Credit Karma and myFICO.com. Check monthly, then manually update your scores below. This planner will track the trend over time as you log updates.
Score history log
Credit score factors
Score ranges — mortgage impact