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.