Calm, private money tools for people who are tired of feeling overwhelmed. No bank connection. No subscription. No judgment.
Paper & Prosperity is free. Open it in your browser, or get it on your phone:
Want your whole life organized on your computer? Meet Empire Life Dashboard →
New to budgeting? Read the free beginner's guide →
Your income, bills, debts and savings goals. Rough estimates are fine. You can refine them anytime.
Your daily budget and your debt-free date are calculated for you, so you finally know when you'll be done.
A short weekly check-in keeps you on track. Rest days pause your streak, so a busy week never erases your progress.
Slide in a little extra and watch your finish line move closer. Real math, calculated for you, no spreadsheets.
Example numbers. Yours will be based on your own debts.
Most people begin with Paper & Prosperity, our free budget and debt app. Empire Life Dashboard is the bigger planner for your whole life on a Mac or Windows computer, whenever you are ready for it.
Budget. Save. Thrive.
Free · iPhone, iPad, Android, Mac & web
A free money app for your budget, debt and savings. Best if you want to get your budget and debt under control.
Or get it in your app store:
iPhone & iPad · FreeMac · FreeAndroid · Free
Your life, gently laid out.
$37 one time · Mac & Windows · 7-day free trial
A calm life planner for your computer: your day, health, home, people and goals in one place, with finance as one of nine tabs.
Windows · $36.99Mac · $37iPhone & iPad · coming soonStart here: Paper & Prosperity is free and works on your phone, Mac and in your browser.
Later, if you want more: Empire Life Dashboard is a one-time purchase for Mac and Windows, with a 7-day free trial.
Six simple steps, a real example budget and the mistakes to skip. No jargon, no judgment.
Read the guide → Free toolFind your debt-free date and see what an extra $50 a month saves.
Try the calculator → Free printable12 pages: list your debts, choose your order, find your date and color in every win.
Get the kit →The math says avalanche, but behavior says snowball. How to pick the method you will actually stick with.
Read the post → BudgetingStart with a one-month buffer, then build a budget around your actual pay dates.
Read the post → Debt payoffSee real timelines for $5,000 and $6,000 balances at different monthly payments.
Read the post →See all guides on the blog · Browse free resources · Comparing apps? vs YNAB, vs EveryDollar, vs Monarch Money.
"I started building these tools after going through my own money struggles and realizing that most budgeting apps felt either overwhelming, judgmental or built around monthly subscriptions."
Robert Daniels, Founder · Southern California
We're new, and you'd be one of our first users. Tell us what's working and what isn't. Your feedback shapes what we build next.
Entering transactions by hand can be tedious if you log every coffee. Paper & Prosperity is built around scheduled and recurring entries, so rent, bills and regular expenses fill in for you. A short weekly check-in is usually enough.
Most apps punish you for missing days. Ours have rest days that pause your streak without breaking it, so a busy week doesn't erase your progress.
No, and that's on purpose. You enter your own numbers, and your budget is stored on your device. If you want automatic bank syncing, YNAB or Monarch Money may be a better fit.
Paper & Prosperity is free, with no subscription, no ads and no hidden fees. Empire Life Dashboard is a one-time $37 purchase with a 7-day free trial and no recurring fees.
Debt Free Empire is a small, independent company in Southern California founded by Robert Daniels. Read our story, or contact us. A real person replies within 48 hours.
Your personal financial data is stored on your own devices and, if you use sync, in your own iCloud account. If you use the optional Your Money Coach, a summary of your budget numbers is sent to an AI service to answer your question.