Prospera, LLC
WiseCents
Start early, money smarts
Financial Health
+$0
Healthy plan
+$0
Over-earning
+$0
Balance positive
+$0
Under spending
0 of 4
Worse0Best
Shade = how far each indicator sits from $0 — deeper color, bigger swing.
My Goals
Giving
💵 Income
🧾 Expenses
🏦 Income Categories
$0 / $0
🧾 Expense Categories
$0 / $0
🎯 Goals Savings
$0 / $0
📈 Investments
📈 Compound interest
💡 Saving vs spending
🐾 Why give?
🛒 Needs vs wants
💵 Earn more
📋 What is a budget?
🎮 Games overspend
🎯 Setting goals
🚲 Bike goal at risk
🧠 Smart spending
Is this right?
New Savings Goal
Edit Goal
New Category
Edit Category
Edit Transaction
Add Income
Choose a category
Linked Accounts
Recurring Charges
Detected from a year of bank history — subscriptions and membership renewals that repeat about once a year.
Calculation
📖 Chat Rules
These are the house rules the chat assistant follows when you ask it to add, spend, save, move, or delete money. Edit them any time.
📅 Advice Period
How much transaction history Money Owl looks at when giving spending advice in chat. This only affects chat — the Budget, Compass, and Transactions screens always show the current month. Bank history is only kept for the last 12 months.
📅 Budget Period
Which month the Budget, Compass, and Transactions screens show. Pick a past month to review or fix how its transactions were categorized.
🧭 Compass Simulator
Try different numbers and watch the Financial Health wheel react.
+$0
Healthy plan
+$0
Over-earning
+$0
Balance positive
+$0
Under spending
0 of 4
Simulated
Worse0Best