Your path to financial independence.
Model the cost of leaving, the cost of waiting, and the monthly reality afterward.
Fresh Start funding
How close you are.
Cost of time
What borrowing buys in calendar time.
Three-phase cash flow
Current → transition → independent.
Readiness checks
Guardrails, not permission.
Financial Profile
Enter baseline numbers once. Every tool reads the same data.
Income & cash
Solo core living
Excludes rent, car, and debt.
Existing debts
Credit cards, personal loans, etc.
| Name | Balance | APR | Minimum |
|---|
Transition Plan
One-time costs and the cash target to get out cleanly.
One-time costs
Target breakdown
Housing & Car
Two huge levers. Change baseline once; scenarios can override later.
Housing
Current car
Replacement-car what-if
Does not change your baseline.
Debt & Financing
Model a loan that gets you out sooner, then force it into the monthly budget so the math stays honest.
Fresh Start loan
Loan impact
Debt payoff view
| Debt | Balance | APR | Payment | Est. months |
|---|
Scenarios
Compare futures without overwriting your real baseline.
Selected scenario
Blank fields use the baseline.
Checklist
Get the web out of your head and onto a list.
Before moving
After moving
Settings & Privacy
Your financial data is encrypted on-device before it is stored locally or synced.
Encrypted sync
Use the same vault on PC and phone.
The sync service receives only encrypted ciphertext plus a one-way authentication token. It never receives your recovery key or plaintext financial data.
Device unlock
Choose convenience or stricter local privacy.
When enabled, the browser stores a non-exportable encryption key in IndexedDB so Fresh Start can unlock on this device without asking for the recovery key each session.
Encrypted backup
Useful before major updates or account changes.
The exported backup is encrypted. Restoring it still requires the recovery key.
Migration
Bring in a v1 plaintext backup if you made one.
After migration, Fresh Start immediately encrypts the imported data. Delete the old plaintext backup afterward if you no longer need it.
Local security model
Your financial state is stored locally as AES-256-GCM ciphertext. The app has no ads, analytics, bank connection, or third-party JavaScript. Cloud sync is optional and end-to-end encrypted from the app's point of view.
Reset this device
Removes the encrypted local snapshot and remembered unlock key from this browser.