Find your financial heading.
Whether you are buying your first home or your eighth, saving for a car, planning for a family, managing medical bills, or considering bankruptcy — Heading helps you make sense of it all.
Your data stays yours. Period.
We will never sell, share, or use your personal information for anything other than helping you understand your finances. All sensitive data is encrypted at rest with AES-256-GCM. No third-party analytics. No data brokers. No exceptions.
How it works
Three steps to clarity. No bank connections required — you enter your information, you stay in control.
Enter your info
Income, debts, assets, expenses, insurance, goals — add as much or as little as you want. Everything is encrypted the moment you save it.
See the full picture
Interactive charts and metrics break down your net worth, debt-to-income ratio, cash flow, savings rate, and more — with clear explanations of what each number means.
Get your heading
Personalized recommendations, debt payoff strategies, and government programs you may qualify for — all based on the information you provided.
Built for real life
No matter where you are in your financial journey.
Net Worth Tracking
See exactly where you stand with a clear breakdown of everything you own vs everything you owe.
Debt Payoff Strategies
Avalanche or snowball — see projected timelines for becoming debt-free with actionable plans.
Goal Planning
Saving for a home, a car, college, retirement — track progress and see when you will get there.
Budget Analysis
Understand where your money goes with a 50/30/20 breakdown and spending category insights.
Program Discovery
Find federal, state, and local programs you may qualify for — FHA loans, tax credits, assistance programs, and more.
Privacy First
AES-256-GCM encryption on all financial data. No SSN collected. No third-party data sharing. Ever.
Ready to find your heading?
Free to use. Your data stays encrypted. No credit card required.