Plan Z
Eight steps from where you are to Zeedom. Lock down your accounts, build a safety net, pay off debt and grow your wealth, one step at a time.
Free tracks steps 1 and 2. Plus tracks all eight.
Start where you are
Each step builds on the one before. Dollarz shows which one you're on, and what's next.
Lock the doorsFree
Secure your accounts and stop new debt before anything else.
In Dollarz: A short checklist, from a password manager to credit freezes. Keep your credit cards for the rewards if you like, and pay off the balance each month.
Starter emergency fundFree
Save $2,500 for surprises, like a car repair or a doctor's bill. Keep your employer's retirement match if you can.
In Dollarz: Your emergency fund against your goal, straight from your budget.
Snowball the debt
Pay off every debt except the mortgage, smallest balance first.
In Dollarz: Your debts in order and the month you'll be debt-free. Try paying extra in the debt calculator.
Full emergency fund
Save 3 to 6 months of living expenses.
In Dollarz: How many months you're covered, and when you'll reach your goal.
Insure the downside
Term life, disability, liability and umbrella coverage.
In Dollarz: A checklist you tick, or skip what doesn't apply.
Invest 15% for retirement
Raise retirement contributions to 15% of your income.
In Dollarz: A tick when you're there, and a calculator to see what it could grow to.
Plan the handoff
A will, beneficiaries, power of attorney and an access plan, so someone you trust can take over.
In Dollarz: A checklist you tick, or skip what doesn't apply.
Build, give, teach
Pay down the house, and help the people and causes you care about.
In Dollarz: The day your house is paid off, plus optional ticks for your kids' education, giving, and teaching someone step 1.
- The finish line
You've reached Zeedom!
Every step done. You did it!
Your money. Your future.
Part of your budget, not another chore
Built from your budget
The emergency fund, debt and mortgage steps read what you already enter. There's nothing extra to type.
Tick it or skip it
Tick each checklist item when it's done, skip one that doesn't apply, or untick it if you change your mind.
Private, like the rest
Your progress is encrypted with your budget. We can't see which steps you've done.
Plan Z follows a common, well-tested order for getting out of debt and building wealth. It's a guide, not personal financial or investment advice. Talk with a professional about the options that fit you.
Your road to Zeedom starts today.
Try every step of Plan Z free for 14 days, or start with the free plan. Your budget stays private from day one.