Digital product

Fresh Start
Financial Plan

A complete personal financial recovery toolkit. Fill in your numbers, download your personalized plan as a private local file, and track your progress every payday. No subscriptions, no cloud, no data sharing.

$5
One-time payment
Instant download
Secure checkout via Stripe · Instant access · No account required
What you get
01
Interactive budget tracker
Log income, fixed expenses, and variable spending. See exactly where every dollar goes every payday.
02
Savings goal dashboard
Set targets for emergency fund, home down payment, retirement, and more. Visual progress bars update in real time.
03
Credit score roadmap
Track your score monthly against clear milestones. Exact steps from where you are to where you need to be.
04
5-year recovery timeline
A month-by-month roadmap built around your specific goals, income, and starting point.
05
Side income tracker
Log freelance, gig, or business revenue. See how extra income changes your entire timeline.
06
Completely private
Your plan lives on your device as a local HTML file. No cloud sync, no login, no one can see your data.
Preview
Fresh Start Financial Plan
Dashboard
Budget
Monthly Log
Credit
Side Income
5-Year Plan
Check-In
Total Saved
$8,400
Goal Progress
84%
Side Income
$1,240
Credit Score
672
$10,000 Savings Goal
$8,400 saved$1,600 to go
Everything included
✓

Personalized HTML file

Built from your inputs. Opens in any browser. Works offline. Saves to your device.

✓

Getting Started guide (PDF)

Step-by-step instructions for using every tab, setting up your budget, and getting the most out of the tool.

✓

Credit rebuilding playbook

The exact sequence of steps, card recommendations, and timeline to rebuild your credit score from any starting point.

✓

Lifetime access

One payment. Keep the file forever. Update your numbers any time. No expiration.

Questions
How does the download work?
After payment, you fill in your details in a simple form. We generate a personalized HTML file and you download it directly to your device. Open it in any browser, anytime, with no internet required.
Is my financial information private?
Completely. Your numbers never leave your device. The file is generated locally in your browser. Nothing is stored on our servers. No one can access your data.
Who is this for?
Anyone rebuilding after bankruptcy, debt, or a financial setback. Also works well for anyone starting fresh, managing a tight budget, or building toward a major goal like a home or emergency fund.
What if I need to update my numbers?
You can update everything directly in the downloaded file. All inputs are editable and calculations update automatically. Think of it as a living document that evolves with your situation.
Do I need to create an account?
No account needed. Pay, fill in your details, download your file. That's it.

Your fresh start
starts today.

One payment. Your plan, on your device, forever.

Tell us about yourself
This personalizes your plan. Nothing is sent anywhere.
Your income
Enter monthly amounts. If you're paid biweekly, multiply one paycheck by 2.17.
Income summary
Monthly income
$0
Annual income
$0
Per paycheck
$0
Monthly expenses
Estimate if you're not sure. You can update these in your downloaded file.
Budget snapshot
Total expenses
$0
Monthly left over
$0
Savings rate
0%
Your savings goals
Set targets for each bucket. Add as many as you need.
Credit and debt
This powers your credit roadmap and payoff timeline.
Your plan is ready
Review your summary below. Click "Get my plan" to pay $5 and download your personalized file.
Plan summary
What you get for $5
Your personalized Fresh Start Financial Plan (HTML file, works offline)
Getting Started guide with instructions for every section
Credit rebuilding playbook with exact steps and card recommendations
Lifetime access, no subscriptions
Secure checkout via Stripe · Instant download after payment
Step 1 of 6
`; const blob = new Blob([html], { type: 'text/html' }); const url = URL.createObjectURL(blob); const a = document.createElement('a'); a.href = url; a.download = `fresh-start-plan-${d.name.toLowerCase().replace(/\s+/g,'-')}.html`; a.click(); URL.revokeObjectURL(url); } function generateNextMoves(d) { const moves = []; const score = parseInt(d.credit.score) || 0; const left = (d.income.primary+d.income.secondary+d.income.side+d.income.other) - Object.values(d.expenses).reduce((a,b)=>a+b,0); if (d.credit.status === 'none' || d.credit.status === 'bankruptcy') { moves.push({n:'1',color:'var(--accent3)',title:'Open a secured credit card',body:'Apply for Discover it Secured or Capital One Platinum Secured. Deposit $200-500. Charge one recurring bill and set autopay for the full balance every month.'}); } if (left > 0) { moves.push({n:'2',color:'var(--accent2)',title:`Build your first $${Math.min(left*3,2000).toLocaleString()} buffer`,body:`With ${fmt(left)} left over each month, focus on building a starter emergency fund before tackling other goals.`}); } if (d.income.side === 0) { moves.push({n:'3',color:'var(--accent)',title:'Start a side income stream',body:'Even $200-300 extra per month changes your entire timeline. Freelance, gig work, selling products or services, whatever fits your skills.'}); } if (d.credit.totalDebt > 0) { moves.push({n:'4',color:'var(--purple)',title:`Pay down ${d.credit.bigDebt||'your biggest debt'}`,body:'Focus extra payments on the highest-interest debt first. Every extra dollar you put toward debt is guaranteed return.'}); } moves.push({n:moves.length+1+'',color:'var(--teal)',title:'Check in every payday',body:'Five minutes every payday. Log income, review spending, transfer savings. Consistency beats intensity every time.'}); return moves.map(m => `
${m.n}
${m.title}
${m.body}
`).join(''); } function generateCreditSection(d) { const steps = [ {icon:'1',color:'var(--accent3)',title:'Secured credit card (Day 1 after any discharge or now)',body:'Apply for Discover it Secured or Capital One Platinum Secured. Deposit $200-500. Charge ONE recurring bill. Set autopay for the FULL balance every month. Never carry a balance.'}, {icon:'2',color:'var(--accent2)',title:'Credit-builder loan (Month 3-6)',body:'Open one at a local credit union or through Self Financial (~$25-50/mo). Builds savings AND credit simultaneously. Adds an installment account alongside your revolving credit card.'}, {icon:'3',color:'var(--accent)',title:'Monitor monthly (ongoing)',body:'Use Credit Karma (free). Check all 3 bureaus. Dispute any errors. One wrong entry can hold your score back for years.'}, {icon:'4',color:'var(--purple)',title:'Authorized user (Month 6+)',body:'Ask someone with good credit to add you as an authorized user on their oldest card. You do not need to use it. Their history adds to yours.'}, ]; const targetScore = parseInt(d.credit.target) || 700; if (targetScore >= 700) { steps.push({icon:'5',color:'var(--teal)',title:`Hit ${targetScore}+ by ${d.credit.creditDate||'your target date'}`,body:`With consistent on-time payments and low utilization, most people reach ${targetScore} within 18-24 months of starting a credit-building strategy.`}); } return `
The Exact Playbook
${steps.map(s=>`
${s.icon}
${s.title}
${s.body}
`).join('')}
`; } function generateRoadmap(d, inc, left) { const now = new Date(); const months = ['Jan','Feb','Mar','Apr','May','Jun','Jul','Aug','Sep','Oct','Nov','Dec']; const milestones = []; let savings = 0; const monthlySave = Math.max(left * 0.5, 0); for (let i = 0; i <= 60; i += 6) { savings += monthlySave * 6; const date = new Date(now.getFullYear(), now.getMonth() + i); const label = months[date.getMonth()] + ' ' + date.getFullYear(); const isNow = i === 0; let title, desc; if (i === 0) { title = 'Starting point'; desc = `Income: ${fmt(inc)}/mo. Surplus: ${fmt(left)}/mo. Begin tracking and building habits.`; } else if (savings < 2000) { title = 'First $2,000 buffer'; desc = `Projected savings: ${fmt(savings)}. Focus on emergency fund and on-time payments.`; } else if (savings < 10000) { title = `$${Math.round(savings/1000)}K saved`; desc = `Credit score should be climbing. Keep utilization below 10% on any open cards.`; } else if (savings < 25000) { title = 'Building serious momentum'; desc = `${fmt(savings)} projected. Start researching home loan options and talking to a HUD counselor if homeownership is a goal.`; } else { title = 'Financial stability reached'; desc = `${fmt(savings)} projected. Strong credit, solid emergency fund, working toward your biggest goals.`; } milestones.push(`
${isNow?'Now':i/12+'y'}
${label}
${title}
${desc}
`); } return milestones.join(''); }