Financial Fitness Passport
Privacy-first AI financial wellness platform that scores your finances without bank linking.
Data verified Sep 9, 2026
Score
- Price
- $9.99/mo
- Try it free
- Free plan
- Best for
- Individuals
About Financial Fitness Passport
Financial Fitness Passport is a privacy-first personal finance platform that has you self-report income, savings, debts, and goals (no bank-account linking) to generate a Passport Score and a proprietary Retirement Number™, then guides improvement through Penny, an AI coach that explains uploaded documents and models scenarios in plain English. It's built for individuals wanting a financial roadmap, and is also packaged for employers, advisors/RIAs, and banks/credit unions as a seat-based financial-wellness benefit. Its key differentiator is delivering personalized guidance and scoring entirely from user-entered data with no account credentials required.
Screenshots
Commonly Cited Strengths & Limitations
Strengths
- No bank-account linking required (privacy-first)
- Users can export or delete their data anytime
- Uploaded documents are permanently deleted immediately after AI analysis
- Proprietary Retirement Number metric
- AI coaching that explains finances in plain English
Common Use Cases
- Assess personal financial health without linking bank accounts
- Calculate a personalized retirement funding target
- Get AI coaching and plain-English explanations of financial documents
- Build a debt payoff and cash-flow plan
- Offer employees a financial-wellness benefit
- Client engagement and prospecting for advisors and firms
- Co-branded financial wellness for banks and credit unions
Details
- Pricing Model
- Freemium
- Starting Price
- $9.99/mo
- Team Size
- Individual, Small Business, Enterprise
- Headquarters
- Melville, New York, USA
- Category
- HR & Recruiting
Who is Financial Fitness Passport for?
Individuals
Use the free self-assessment to see where they stand, then upgrade to Pro for the full roadmap, calculators, and Penny AI coaching.
Employers / HR teams
Offer a seat-based employee financial-wellness benefit with HR reporting, a central onboarding link, and launch toolkit.
Financial advisors, RIAs & broker-dealers
Use it as a client engagement and prospecting platform with firm-level oversight.
Banks & credit unions
Deploy co-branded financial wellness to reduce churn and create cross-sell opportunities.
Frequently Asked Questions
Is Financial Fitness Passport free?
Financial Fitness Passport offers a free plan, with paid plans starting at $9.99/mo.
Does Financial Fitness Passport have an API?
Financial Fitness Passport does not currently offer a public API.
Is Financial Fitness Passport cloud-based or self-hosted?
Financial Fitness Passport is offered as a cloud-based (SaaS) deployment.
Who is Financial Fitness Passport best for?
Financial Fitness Passport is best suited for Individuals, Employers / HR teams, Financial advisors, RIAs & broker-dealers.
What can I use Financial Fitness Passport for?
Common uses for Financial Fitness Passport include assess personal financial health without linking bank accounts, calculate a personalized retirement funding target, get ai coaching and plain-english explanations of financial documents, build a debt payoff and cash-flow plan.
How does Financial Fitness Passport compare to Demodesk?
Financial Fitness Passport and Demodesk are both used for hr & recruiting -- specifically employee-coaching-tools. See the full side-by-side comparison for pricing and feature differences.
Key Features
- Passport ScoreA temporary financial-health score generated from a quick onboarding self-assessment.
- Retirement Number™Proprietary calculator showing how close you are to funding your retirement lifestyle.
- Penny AI Financial CoachPro-only AI companion that explains your situation, calculates metrics, and runs what-if scenarios in plain English.
- Penny Document AnalysisUploads insurance, estate, benefits, investment, and tax documents for plain-English explanation, then deletes them immediately after analysis.
- Financial Calculators SuiteSix professional calculators including life insurance, disability, and mortgage tools.
- Progress InterpreterAI analysis of your financial wins, risks, and next-best-step recommendations.
- Cash Flow Analysis with Tax CalculatorAnalyzes cash flow alongside tax calculations.
- Debt PlanDebt payoff planning using Snowball or Avalanche methods.
- Financial modulesEmergency Fund, Insurance, Estate, and Investing planning modules.
- Financial Goals PlannerTool for setting and tracking financial goals.
- Educational Academy & GlossaryInteractive lessons and glossary, with bonus lessons for Pro members.
- Gamified BadgesEarn Bronze through Platinum badges as you hit financial milestones and unlock rewards.
- Anonymous BenchmarksCompare your progress anonymously against peers.
- PDF ExportExport your Passport as a PDF.
Technical Details
- Deployment
- Cloud
- Target Market
- Both
- Free Plan
- Available
Support
Official Pricing
Financial Fitness Passport's published plans · verified Sep 9, 2026
Free
$0
- Account creation
- Onboarding self-assessment
- Temporary Passport Score
Pro
$9.99/mo
- Everything in Free
- Personalized financial roadmap
- Cash Flow Analysis with Tax Calculator
- Debt Plan (Snowball/Avalanche)
- Emergency Fund, Insurance, Estate & Investing modules
- Score improvement & badge progression
Pro (Annual)
$79.99/yr
- Full Pro access billed annually (save 33%, ~$6.67/month)
Enterprise
Contact Sales
- Pro access for every employee
- Teams of 25+ employees
- Central onboarding link
- HR launch toolkit
- Priority support
- Volume discounts
Pricing shown above is sourced from Financial Fitness Passport's own published plans as of Sep 9, 2026 and can change at any time -- confirm current pricing on Financial Fitness Passport's own site before purchasing.
Full Financial Fitness Passport pricing breakdown, free plan and cheaper alternatives →
Real Pricing from Verified Users
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