True NorthFour tabs of financial intelligence
Track net worth, analyze budget allocation, monitor credit utilization, and plan debt payoff strategies - all organized into four focused tabs that give you clarity without clutter.
Small optimizations add up. Choosing the right debt payoff strategy can save thousands in interest. Keeping credit utilization low protects your credit score. Knowledge is financial power.
Your Financial Snapshot
Net worth, emergency fund readiness, non-monthly reserves, and data health - everything you need to know about where you stand right now.
Net Worth
See your total net worth - assets minus debts - with a breakdown of your top assets and debts. Positive net worth is shown in green, negative in red.
Top Assets
Top Debts
Trend (last 6 months)
Emergency Fund
Your 6-month emergency fund target covers 6 months of essential expenses - Needs plus Debt payments. See both your total target and monthly equivalent so you know exactly where you stand.
6-Month Target
$18,000
$3,000/month in essential expenses
4 months covered - 2 months to go
Non-Monthly Reserve
This reserve covers quarterly and annual expenses still due this year - insurance premiums, annual subscriptions, property taxes, and more. Broken down by category with a monthly savings recommendation.
Total Reserve Needed
$4,320
remaining this year
Based on 10 months remaining in the year
Data Review
Flags financial data that needs attention. Items not updated in 30+ days are marked for review; 90+ days are flagged as stale. Click any category to navigate directly to its review tab.
Expenses
Updated 3 days ago
Income
Updated 12 days ago
Assets
Oldest: Retirement (401k) - 45 days
Goals
Oldest: Vacation Fund - 94 days
Keeping your data fresh ensures your insights are accurate. Stale data means stale decisions.
Budget Analysis
Compare your budget allocation against your targets and review the subscriptions you have entered.
Spending vs Targets
Compare the financial information you maintain in True North with your category targets. These amounts describe your budget allocation, not a record of individual purchases. The example below illustrates allocations against targets; it does not show verified spending or an available bank balance.
Needs
On trackWants
OverDebt
On trackInvesting
On trackSpending Breakdown
A pie chart visualizes the monthly budget allocation across categories using the information you maintain in True North.
$5,000
Total
Subscriptions
See total subscription costs (monthly and annual), your top spending subscriptions, and alerts for subscriptions not reviewed in 90+ days. Upcoming cancellation deadlines are highlighted.
Monthly total
$127
Annual total
$1,524
Gym membership not reviewed in 96 days
Software trial ends in 5 days - cancel or it renews at $34/mo
Debt Analysis
Monitor credit utilization across all cards, rank your debts by multiple criteria, and understand your debt-to-income ratio.
Credit Utilization
Track credit card utilization across all cards with color-coded status: green for good (under 30%), amber for caution (30-70%), and red for high (over 70%). See exactly what payment is needed to bring all cards below 30%.
Your Credit Cards
24% - Good
60% - Caution
79% - High
43% overall - above recommended range
To bring all cards under 30%:
Pay $1,190 total -$900 on Mastercard, $590 on Store card (with $300 offset from Visa headroom)
0% APR promo on Mastercard ends in 47 days - plan your payoff strategy now
Debt Insights
Rankings of your debts by multiple criteria: highest interest rates, largest balances, lowest balances (quick wins), and highest monthly payments. Plus your debt-to-income ratio with status tiers.
Debt Rankings
Highest Interest Rate
Largest Balance
Quick Win (Lowest Balance)
Highest Monthly Payment
Debt-to-Income Ratio
Debt Payoff Strategies
Compare three approaches, step through month by month, and see the impact of extra payments - all so you can choose the strategy that works best for you.
Strategy Comparison
Compare three approaches: Current Payments as your baseline, Snowball (smallest balance first), and Avalanche (highest interest first). Payoff dates and interest totals are projections based on the balances, rates, and payments you enter, not guaranteed outcomes. The figures below are illustrative projections.
Current Payments
Baseline (no changes)
$2,847
Total interest paid
24 mo
Time to debt-free
Feb 2028
Debt-free date
Snowball Method
Smallest balance first
$2,103
Total interest paid
19 mo
Time to debt-free
Sep 2027
Debt-free date
Avalanche Method
Highest interest first
$1,847
Total interest paid
18 mo
Time to debt-free
Aug 2027
Debt-free date
In this example, the avalanche projection shows $1,000 less interest than the current-payment projection. Your results depend on your entered balances, rates, and payment assumptions. Compare the projections to decide which approach fits your circumstances.
Monthly Navigator
Step through the payoff projection month by month to review the priority debt, projected principal and interest, and expected payoff timing under the payment assumptions you entered.
Month 3 of 18
May 2026
Projected remaining: $270 - expected payoff next month
Total payment this month: $550
Acceleration
Add extra monthly payments to see how they speed up your payoff. Plan lump sum payments - a tax refund, bonus, or gift - at specific future dates and see the impact immediately.
Extra Monthly Payment
Additional per month
+$100
Months saved
4 months
Lump Sum Payments
Tax refund
April 2026
Year-end bonus
December 2026
Impact Summary
Pro Tips
Keep utilization under 30%
Keep credit utilization under 30% on each card, not just overall. High utilization on even one card can drag down your credit score.
Run the calculator for any debt
Run the debt payoff calculator even for just a car loan. Seeing the interest cost and payoff timeline gives you clarity on whether to accelerate.
Try a lump sum to see impact
Model an extra lump sum payment before you commit. A tax refund or bonus may shorten the projected payoff timeline, depending on the amounts and timing you enter.
Review subscriptions quarterly
Review subscriptions quarterly. Unused subscriptions are the most painless way to free up money for debt payoff or savings.
Related Features
Turn your financial data into decisions
Four tabs of intelligence - net worth, budget analysis, debt monitoring, and payoff planning. Knowledge is financial power.
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