Financial Fitness Passport™From Guesswork to Game Plan...
Know Where You Stand Financially and What to Fix Next
Free shows you where you stand. Pro helps you improve it. Complete a quick self-assessment to get your temporary Passport Score, then unlock your full roadmap, planning tools, and Penny AI coaching with Pro — all without linking your bank accounts.
Free to see your score. Unlock the full roadmap with Pro. No bank linking required.
Privacy-first. No bank linking. Your data stays yours—export or delete anytime.
Your Financial Dashboard
Meet Penny™
Penny is your always-on AI financial companion — available exclusively to Pro members to guide your financial journey.
She helps you understand your current situation, calculate key metrics, and explore ways to improve your financial health — all in plain English.
Whether you're checking your savings progress, comparing retirement scenarios, or testing a "what-if" calculation, Penny's here to help.
New: Document Analysis
Upload your insurance policies, estate documents, or employee benefits guides and Penny will read and explain them in plain English — connecting what she finds to your unique financial profile.
- Insurance declarations — coverage gaps, deductibles, questions to ask your agent
- Estate documents — key provisions, beneficiaries, what to review
- Employee benefits guides — health plan tradeoffs, 401k match, HSA/FSA, equity compensation
- Investment statements — allocation, fees, concentration risk
- Tax returns — effective rate, income sources, withholding insights
All documents are permanently deleted immediately after analysis. No copy is ever retained.
Full access available with Pro. Try a live demo below.
Chat With Penny (Live Demo)Limited educational demo. No account required.
How It Works
1. Input Your Basics
Share your financial snapshot: income, savings, debts, and goals. No bank linking required—just the essentials.
2. AI Analyzes Instantly
Our intelligent engine crunches the numbers, models scenarios, and calculates your unique Retirement Number™ and Passport Score.
3. Get Your Roadmap
See exactly where you stand and what to do next. Track progress with badges, calculators, and personalized AI guidance.
4. Get Rewarded
As you make progress and unlock badges, earn exclusive rewards and offers to support you on your financial journey.
Not Another Calculator—A Financial Co-Pilot
We combine AI technology, proven financial guidance principles, and user-friendly design to help you move forward with confidence—not confusion.
What Makes Us Different
Built for Individuals and Organizations
Financial Fitness Passport™ serves individual users and every type of organization that wants to offer financial wellness — from a small employer to a national bank.
For Employers
A seat-based employee financial wellness benefit with HR reporting, Penny AI coaching, and fast onboarding.
Learn moreFor Advisors & Firms
For financial advisors, RIAs, and broker-dealers — a client engagement and prospecting platform with firm-level oversight.
See all firm optionsFor Banks & Credit Unions
Reduce churn, deepen customer relationships, and create cross-sell opportunities through co-branded financial wellness.
Learn moreChoose Your Plan
Free shows you where you stand. Pro helps you improve it — and Enterprise plans extend Pro to every employee on your team.
| Feature | Free | Pro | Enterprise |
|---|---|---|---|
| Account creation | |||
| Onboarding self-assessment | |||
| Temporary Passport Score | |||
| Personalized financial roadmap | — | ||
| Cash Flow Analysis with Tax Calculator | — | ||
| Debt Plan (Snowball/Avalanche) | — | ||
| Emergency Fund, Insurance, Estate & Investing modules | — | ||
| Score improvement & badge progression | — | ||
| Educational Academy & Glossary | — | ||
| PDF Export of your Passport | — | ||
| Retirement Number™ Calculator | — | ||
| Financial Calculators Suite (6 tools) | — | ||
| Penny™ AI Financial Coach | — | ||
| Progress Interpreter (AI Analysis) | — | ||
| Financial Goals Planner | — | ||
| Anonymous benchmarks vs. peers | — | ||
| Priority Support | — | ||
| Custom features & pricing for employers | — | — |
Simple, Transparent Pricing
Free
See where you stand financially
- Create your account
- Complete onboarding self-assessment
- Get your temporary Passport Score
Free shows you where you stand. Pro helps you improve it — with the full roadmap, modules, Penny AI, and planning tools.
Get My Free Passport ScorePro
Unlock the full financial intelligence platform
- Everything in Free, plus:
- Retirement Number™
- Financial Calculators
- AI Financial Coach
- Progress Interpreter
- 8 Bonus Academy Lessons
Enterprise
Volume pricing for teams
Perfect for employers who want to offer financial wellness to employees
- Pro access for every employee
- Central onboarding link
- HR launch toolkit
- Priority support
- Volume discounts ($30-$60/employee/year)
All plans include complete data privacy and control. Cancel anytime.
Features That Build Confidence
Temporary Passport Score
FreeOne clarity number (0-100) showing where you stand financially right now. Free to see — Pro unlocks the roadmap to improve it.
Cash Flow Analysis
ProTrack income and expenses with dual-column monthly/annual input. Built-in 2025 tax calculator for all 50 states—see your real after-tax cash flow.
Debt Plan & Simulator
ProChoose Snowball or Avalanche strategies. Earn Bronze → Platinum badges as you crush milestones.
Insurance & Estate Tracking
ProTurn overlooked essentials into simple, achievable steps with our 10-item checklist.
Investing Tracker
ProTrack your portfolio across 401(k), IRA, brokerage, and more. See total allocation, auto-debit contributions, and progress toward your goals.
PDF Export & Data Control
ProExport your financial snapshot anytime. Delete your data whenever you want—total control.
Educational Academy
ProInteractive lessons with progress tracking, plus exclusive bonus lessons and a full glossary.
Retirement Number™
ProKnow exactly how close you are to funding your retirement. See % funded, adjust assumptions, get path to 100%.
Financial Calculators
ProLife & disability needs, PV/FV, mortgage, college savings—all with tooltips and instant results.
AI Financial Coach
ProChat with our AI coach for personalized guidance on debt payoff, investing, and next steps.
Progress Interpreter
ProAI-powered analysis of your financial wins, risks, and personalized next-best-step recommendations.
Financial Goals Planner
ProCreate personalized goals for buying a home, retirement, paying off debt, and more. Get specialized calculators, timeline tracking, and AI coaching.
Trusted by Professionals Who Take Their Future Seriously
"The Retirement Number™ gave me clarity I couldn't get anywhere else. I finally know if I'm on track."
"Financial Fitness Passport™ made it easy to see where I stand and what steps to take. The debt simulator alone is worth it."
"I love that I don't have to link my bank. Privacy matters to me, and this app respects that while still being powerful."
Frequently Asked Questions
Everything you need to know about Financial Fitness Passport™
What is Financial Fitness Passport™?
Financial Fitness Passport™ is AI-powered financial guidance software that helps you understand your financial health, prepare for retirement, manage debt, and achieve your financial goals. It features a personalized Passport Score, exclusive Retirement Number™ calculator, and AI-powered coaching.
Do I need to link my bank accounts?
No. Financial Fitness Passport™ is privacy-first by design. You manually enter your financial information, giving you complete control over your data. No bank linking is required.
What is the Retirement Number™?
The Retirement Number™ is our exclusive metric that shows exactly how close you are to funding your desired retirement lifestyle. It calculates your progress toward financial independence based on your income, savings, investments, and retirement goals.
Is there a free version?
Yes. The free plan covers account creation, the onboarding self-assessment, and your temporary Passport Score so you can see where you stand financially. The full roadmap, modules (Cash Flow, Debt, Emergency Fund, Insurance, Estate, Investing), badge progression, Educational Academy, calculators, and Penny AI coaching are part of Pro.
What does Pro include?
Pro unlocks the full Financial Fitness Passport™ experience: the personalized roadmap, every module (Cash Flow, Debt Plan, Emergency Fund, Insurance, Estate, Investing), score-improvement and badge progression, the Retirement Number™ calculator, the 6-tool Financial Calculators Suite, Penny™ AI Financial Coach with Document Analysis, Progress Interpreter, Financial Goals Planner, the full Educational Academy and Glossary, anonymous benchmarks, PDF export of your Passport, and priority support.
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Try every Pro tool free for 3 days — your full Retirement Number™, Penny AI, the personalized roadmap, and the Pro calculators. Credit card required. You will not be charged until your 3-day trial ends.
Cancel anytime before your trial ends • No bank linking required
Meet the Founder
Built by a financial services veteran who saw a better way.
Scott B. Zuckerman, ChFC®, CFS®, CLU®, ChSNC®, created Financial Fitness Passport after decades in financial services. He saw consumers receiving fragmented information without a clear system for understanding where they stand or how each decision connects to the bigger picture.
FFP exists to turn financial education into measurable financial progress through structured guidance, scoring, and technology.