Budget builder, debt payoff planner, and creditor negotiation scripts — all in one place, powered by Bethanie AI.
Monthly Income
Take-home pay
Side income
Total Income$0
Monthly Expenses
Rent/Mortgage
Food/Groceries
Car/Transport
Utilities
Subscriptions
Debt payments
Total Expenses$0
$0
Income
$0
Expenses
$0
Left Over
0%
Savings Rate
Budget Health0%
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Bethanie — Money Analysis
Ask anything about your budget
Fill in your income and expenses above, then tap "Analyze My Budget" — or just ask me anything about your money situation. What's going on?
Phone & Email Alerts
Not set up
Get notified when you're approaching a budget limit, when a bill is due, or when you hit a debt payoff milestone — right on your phone. No app needed.
⚠️Budget warnings When you hit 80% of a category
🔴Over budget alerts When you exceed a limit
🎉Debt milestones 25%, 50%, 75%, 90% paid off
📅Monthly summary Your budget health report
📧 Email Alerts
📱 Push Notifications (phone & desktop)
Works on Android and iPhone (Safari 16.4+). No app download needed.
Alert me when I reach 80% of a category
Log a purchase to trigger alerts
$
Your Debts
Debt NameBalanceRate %Min Pay
Credit Card 1
Credit Card 2
Car Loan
Extra monthly payment
Total debt$0
Payoff time—
Total interest paid$0
Interest saved vs minimums$0
First debt eliminated—
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Bethanie — Debt Strategy
Ask about your payoff plan
Add your debts above and I'll help you figure out the fastest way out. The avalanche method saves the most money — the snowball method keeps you motivated with quick wins. What matters most to you?
Creditor Negotiation Scripts
These are word-for-word scripts that actually work. Read them like you mean it — creditors are trained negotiators, but these phrases put you in control.
💡 Before you call: Pull your credit report at AnnualCreditReport.com (free). Know your account number, current balance, and what you can realistically pay. Never give bank account info over the phone — ask for a written agreement first.
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Bethanie — Negotiation Coach
Tell me your situation and I'll customize the script
Tell me about your situation — which creditor, how much you owe, how far behind you are, and what you can afford — and I'll customize a script specifically for your call.
Credit Report Dispute Generator
Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any inaccurate, incomplete, or unverifiable information on your credit report — for free.
Your Name
Address
Bureau
Creditor Name
Dispute Reason
Your Dispute Letter
📬 Send by certified mail with return receipt requested. Keep a copy. The bureau has 30 days to investigate. Free dispute portals: Equifax.com/personal/credit-report-services · Experian.com/disputes · TransUnion.com/credit-disputes
💰 Premium Offline Financial System
Aivorei Money Command Center
Download the premium offline financial dashboard with month-to-month tracking, debt payoff planning, bill savings, goals, negotiation scripts, and Bethanie-style insight prompts. Built for users who want to manage sensitive money data privately on their own computer.
📊 Monthly DashboardTrack income, bills, subscriptions, leftover cash, savings rate, and progress over time.
🎯 Debt Payoff PlannerCompare snowball and avalanche strategies while tracking payoff milestones.
🔒 Private Offline ModeNo bank connection required. Users can keep their data on their own device.
🧠 Bethanie PromptsBuilt-in guidance prompts for monthly reviews, budget cuts, and creditor scripts.