Legacy Financial Logo

FREEDOM
FROM DEBT,
YOUR WAY

Spend smarter, save more, and accelerate debt repayment with the most comprehensive all-in-one financial tracking tool available.

Try the Legacy Financial App free for 30 days. There’s no obligation and no credit card required. Trusted Plaid integration ensures that your account information stays secure and private.

Twopeople sitting down, discussing their financial bills and planning
Empower
Legacy Logo

Financial App

The Legacy App offers a complete financial solution in one convenient app, featuring expenditure analysis, customized debt elimination plans with Debt Snowball or Debt Blizzard methods, debt tracking and management tools, credit utilization insights, and more—all designed to keep your finances organized and within reach.

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Common Financial Pitfalls

Research overwhelmingly shows that Americans as a whole struggle with a lack of financial literacy, which can lead to significant and tangible losses from unnecessary fees, poor investment choices, and inefficient spending or budgeting habits. 

70%

of Americans are living paycheck to paycheck.

44%

of Americans don't have enough money to cover a $400 emergency.

43%

of student loan borrowers are NOT making payments.

38%

of U.S. households have credit card debt.

33%

of American adults have $0 saved for retirement.

leave the worry behind
with the Legacy App

At Legacy Financial App, our mission is to help you achieve financial independence through innovative technology. Our tools are designed to simplify your journey to debt relief and empower you to make informed financial decisions.

A Couple happy with meeting their financial goals and debt payments

key features

With the Legacy App, you have access to five of the most powerful budgeting methods available and the world’s premier debt elimination calculators in one convenient and accessible platform. Toggle between methods to select the debt elimination plan that works best for you, and make adjustments anytime based on changes in your needs or circumstances.

Paymnet Optimization over time, showing how debt snowball and debt blizzard payments help pay off debt faster than traditional methods

Debt Snowball Calculator

The debt snowball method is based on the principle of creating a budget that allows you to pay off your debts in order, from lowest to highest.

Debt Blizzard Calculator

The debt blizzard method combines the debt snowball with its inverse, the debt avalanche, to enable users to tackle some higher debt amounts while also working to eliminate smaller ones.

benefits

The Legacy App empowers you to spend smarter, save more, and accelerate debt repayment with personalized insights. It monitors your net worth, compares previous and current monthly spending, tracks spend-free days, and evaluates credit card utilization, identifying opportunities to enhance your financial well-being.

Financial Freedom

Get out of debt 55-65% faster than with conventional predictive models.

Financial Literacy

Take control of your finances through greater awareness and understanding.

Financial Stewardship

Create a financial safety net in a world that’s often unforgiving of even minor errors.

A Happy couple bill planning

benefits

The Legacy App empowers you to spend smarter, save more, and accelerate debt repayment with personalized insights. It monitors your net worth, compares previous and current monthly spending, tracks spend-free days, and evaluates credit card utilization, identifying opportunities to enhance your financial well-being.

Financial Freedom

Get out of debt 55-65% faster than with conventional predictive models.

Financial Literacy

Take control of your finances through greater awareness and understanding.

Financial Stewardship

Create a financial safety net in a world that’s often unforgiving of even minor errors.

How it Works

Legacy helps you track your accounts, bills, and subscriptions with ease, giving you full control over your money and accelerating your path to a debt-free future.

Effortlessly connect your cash, credit cards, loans, and investments with Plaid, a trusted financial technology that securely links your accounts to Legacy. With real-time transaction tracking, automatic account syncing, and streamlined financial management, Plaid provides a clear, up-to-date view of your finances.

why choose us

Feature Legacy 50% Plan 50/30/20 Rule

Legacy Financial App: 27/30 categories (90%) → Soon: 30/30 (100%)
PocketGuard: 9/30 categories (30%) | $74.99/year | Covers 70% fewer categories
Monarch Money: 8/30 categories (27%) | $99.99/year | Covers 73% fewer categories

Chart showing the 50/30/20 Rule

Pricing Plans

Choose the plan that suits your needs.

Sync w/ Banks
Simplified Budget Snapshot
Net Worth
Add Account Balances
Track Spending by  Category
Zero-based Budgeting
Reverse Budgeting
Monthly Budgeting
Tracking Wealth & Spending
Personalized Savings Goal
Investment Tracking
Budgeting w/ a Partner
Tracking Cash Flow
Monitor Credit Score
Debt Repayment
Bill Payment
Envelope Budgeting
Desktop Version
Patent Pending Tech
Global FinTech Tech
Debt Snowball Calculations
Debt Blizzard Calculations
Debt Elimination Plans
Payment Calendars
Credit Card Threshold
Track Investment Property Value
Tracking Spend Free Days
Tracking Credit Use Rate
Month vs. Month Spending
Tracking YTD Spending
Out-of-Debt Date
40-60% Reduced Interest Costs
50-65% Reduced Time in Debt
Free Version of App
Free Trial
Monthly Cost
Annual Cost
Empower Personal Dashboard
Honeyydue
NerdWallet
Prism
Wally
Zeta
Spendee
Oportun
Simplifi
Copiliot Money
Goodbudget
Honeydue
Buddy
Legacy
Rocket Money
Rocket Guard
Mobills
Monarch Money
YNAB
EveryDollar
10
10
10
10
10
10
10
10
10
10
10
10
10
10
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10
10
10
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10
10
10
10
10
10
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comparison

RocketMoney
PocketGuard
Legacy
MonarchMoney
YNAB
EveryDollar
Sync w/ Banks
Simple Budget View
Net Worth
Manually Add Account Balances
Track Spending by Category
Zero-based Budgeting
Monthly Budgeting
Tracking Wealth & Spending
Personalized Savings Goal
Investment Tracking
Budgeting w/ a Partner
Tracking Cash Flow
Debt Repayment
Bill Payment
Patent Pending Technology
Automated Debt Snowball Calculations
Automated Debt Blizzard Calculations
Personalized Debt Elimination Plans
Optimization Payment Calendars
Credit Card Threshold Optimization
Tracking Investment Property Values
Tracking Spend Free Days
Tracking Credit Utilization Rate
Compare Month vs. Month Spending
Tracking Year to Date Spending
Out of Debt Date
40-60% Reduced Interest Costs
50-65% Reduced Time in Debt
Free Version of the App
Free Trial
7 Days
30-Days
7 Days
34 Days
14 Days
Monthy Cost
$6-$12
$12.99
$9.99
$14.99
$14.99
$17.99
Annual
$48-$144
$74.99
$99.99
$99.99
$109.00
$79.99

you said it best

“This app helped me set a goal and adjusted my finances to meet my goals. It helped me see the actual numbers and what I needed to commit to each time period a payment was due. Instead of paying the minimum, I paid the amount that would positively bring my credit card debt down. Since then I have brought my debt to zero owed and one card that has 80% available credit instead of being maxed out. This app has been a blessing and I am fortunate to have this app as a tool to keep a great stewardship over my finances.”
Calvin Evans Jr.
“B. Hughes here, and I would like to share a few things in regard to advice, helping with my finances, and guidance if you will, through the Legacy FinancialApp. First and foremost, I'm a 39 year old single father of 5, and tough times always seem to be present due to financial difficulties. Not being able to see the light at the end of the tunnel if you will. Debt always seemed to be a recurring topic of discussion in my household, always consuming a lot of my time. Not only do I now see the light at the end of the tunnel with my finances, I have more money in my pocket on a daily basis. Trips with family, get togethers, and just good ole family quality time obtained by just inputting what you owe and letting the Legacy Financial App do the rest. You can't really see the value of financial freedom, but with the Legacy Financial App, you can. It did it for me!!”
Brandon Hughes
“I was introduced to the Legacy Financial App for a better way to manage my finances. Since using it, I've utilized its budgeting tools and investment features, which have made tracking my income and expenses much easier. I've seen a 30% increase in my savings over the past six months, and I feel more confident about my financial future. And on top of that, my credit score has gone up over fifty points!!I highly recommend the Legacy Financial App to anyone looking to take control of their finances. I especially appreciate the user-friendly interface and resources to help me make informed financial decisions. Start small, and you'll be amazed  at the difference it can make!  Thank you!”
Miah James

media & awards

See where our app has been featured! Our mission to make budgeting simple and getting debt-free accessible has earned the attention of top-tier publications and industry award committees. Read the full stories below.

Award
Winner of 2025 July Award Contest - Best Mobile App
October 3, 2025

The Legacy Financial App is not just another budgeting tool — it’s a financial liberation platform engineered to help everyday people break free from debt, build wealth, and secure their legacy.

Download the Legacy App

The Legacy App is available on iOS and Android platforms. Try it for free today––no credit card information required.