Platform Features
Every tool your financial life needs in one platform.
Nine modules that work together to give you a complete financial health picture and a clear, prioritized action plan.
Financial Health Dashboard
8 internal scores covering credit health, debt burden, cash flow, utilization, loan readiness, mortgage readiness, benefit value, and overall financial health. Updated as your accounts change.
Credit Card Health Score
Each card receives its own health score based on utilization, payment status, benefit usage percentage, annual fee justification, CLI readiness, and score impact. Ranked by priority.
Bank & Cash Flow Intelligence
Connect bank accounts via Plaid to track income patterns, spending categories, recurring bills, emergency fund progress, and cash flow stability over time.
Card Benefit Optimizer
Track monthly, quarterly, and annual credits for premium cards. Know exactly which Amex Platinum, Chase Sapphire, or Capital One Venture X benefits you've used and what's left.
Credit Utilization Optimizer
Know which card to pay, how much to pay, and exactly when — based on statement closing dates. Model the impact of different payment amounts before your next statement.
Debt Payoff Strategy
Compare avalanche vs. snowball methods, estimate debt-to-income impact, and get a ranked payoff order based on your score impact, interest rate, and cash flow.
Mortgage & Loan Readiness
Real checklists for home buyers: credit score thresholds, DTI targets, down payment tracking, cash reserve requirements, document checklist, and local assistance programs.
Credit Repair Center
Upload your credit report to identify negative items and inquiries. Connect with Boost My Credit Scores to generate bureau-ready dispute letters and track removal status.
Score Impact Simulator
Model what happens before you act. See the estimated score impact of paying down a card, opening new credit, closing an account, or having an item removed.
Roadmap
Coming in future phases.
CreditGoal AI is built in phases. Here's what's on the product roadmap.
Get early access to all features.
Join the waitlist — Phase 2 manual dashboard launching soon.
Join Waitlist