Candor
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Straight answers about your money

Debt, rent, salary, quitting, buying. Give it your numbers and get a view, not “speak to a licensed advisor”.

200 free creditsNo card neededWorks in your browser

Example

See it work.

An example conversation, written by us to show how it goes.
I have $8,000 on a credit card at 24% and $8,000 in savings. Pay it off or keep the cushion?
Candor

Pay off most of it. The card costs you about $160 a month in interest; your savings earn maybe $30. Keeping both is paying $130 a month to feel safe.

Put $6,500 on the card today and keep $1,500 for a real emergency. Then send the old card payment at what’s left until it’s gone.

It does the math

Interest, runway, break-even. It works the numbers with a calculator, not from memory.

It gives a view

Tell it your situation and it says what it would do and why, then what would change its mind.

Delete it when you’re done

Delete a chat, or your whole account and its data, from inside the app.

Try it

Start from one of these.

Debt

How much is too much.

How much debt is too much at 30?

Rent

What your salary can carry.

I earn $4,200 a month after tax. How much rent is too much?

A big purchase

Lease, buy or wait.

Is it smarter to lease or buy a car I’ll keep for six years?

Questions

Straight answers.

Is this financial advice?
It isn’t a licensed advisor and doesn’t know your whole file. It’s a frank second opinion: the math done properly and a clear view of the trade-off.
Does it know today’s rates and prices?
It looks them up: it searches the web and gives the source for each figure. A search costs about 12 credits. Or give it the rate yourself and it works from that.
Can it read my spreadsheet?
Attach it as a CSV file, or paste the numbers.
Quick or Powerful for money questions?
Powerful, thinking first, for anything with several moving parts. Quick is fine for a single calculation.
Is it free?
New accounts get 200 free credits, once, with no card: about 25 messages. After that, Monthly is $19.99 for 8,500 credits a month.

Ask the question you actually have.

Start free with 200 credits. No card, no lecture.

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