🎉 Now Available — Bank-Connected Financial Planning
Sequence & Co. Presents

Your Personal Financial
Operating System

Your complete financial picture in one place — 62 calculators, real-time health scores, and a clear next move every time you log in. Do it yourself, or bring in a licensed advisor when you want one.

🚀 Get Started → 📅 Request a Demo
4
Financial Scores
62
Financial Calculators
13
Planning Categories
1
Clear Next Move

🔐 Built on infrastructure you trust

Every payment runs through Stripe — the same platform millions of businesses use for secure, encrypted billing. Paid accounts can connect their real bank, brokerage, and credit accounts through Plaid, the industry standard for financial data. Your credentials never touch our servers, and you can disconnect anytime.

Bank-level encryption · 256-bit SSL · Read-only account access · You stay in control of your data.

Powered by
Stripe
Plaid
How It Works

From sign-up to financial clarity in minutes

1

Create Your Account

Create your account and get your own secure portal — start your 14-day free trial, no credit card required.

2

Enter Your Financial Data

Income, expenses, debts, assets, goals — PFOS guides you through every category in a structured workflow.

3

Get Your Scores & Plan

Instantly receive your 4 financial health scores plus a prioritized action plan built on your real numbers.

4

Track Progress Over Time

Every report, recommendation, and milestone is logged. Watch your financial health improve month over month.

Financial Health Scoring

Know exactly where you stand

PFOS calculates four independent scores from your real financial data, giving you a precise, actionable view of your financial health — not a generic credit score. Scores and projections are illustrative, for informational purposes only, and not a guarantee of future results.

8.4
Cash Flow

Income vs. expenses — your financial foundation

7.1
Protection

Emergency fund, insurance, credit resilience

6.3
Growth

Savings rate, retirement, investment activity

7.8
Efficiency

Spending leaks, debt optimization, idle cash

Platform Features

Everything you need in one platform

📊
62 Financial Calculators
From "Can I Afford This?" to FIRE planning, every financial question has a dedicated calculator — with side-by-side comparisons, visual verdicts, and advisor-ready recommendations built in.
🎯
Debt & Loan Strategies
Avalanche, snowball, and hybrid payoff strategies. Plus loan comparison, refinance analysis, APR truth calculator, buy vs lease, and a full debt elimination engine.
📈
Monte Carlo Projections
10,000-run retirement simulations that account for market variability. See your probability of success at different retirement ages and income levels.
🏡
Life Event Planning
Calculators for buying a home, having a baby, changing jobs, relocating, divorce, college savings, windfalls, and more — so every major decision is backed by real numbers.
🛡️
Insurance & Protection
See how much coverage you actually need and where your protection gaps are, with plain-English education on how different policy types work. Anything product-specific is handled with a licensed agent — never a sales pitch.
⚖️
Risk Tolerance Questionnaire
10-question assessment that produces a Conservative, Moderate, or Aggressive profile, with example model allocations shown for educational reference. Specific investment decisions are reviewed with a licensed professional — never automated advice.
💰
Tax & Retirement Strategy
Tax estimation, Roth conversion analysis, HSA optimizer, Social Security claiming strategy, RMD calculator, Monte Carlo retirement simulations, and spousal retirement coordination.
🎓
Student Loan & Education
5 student loan tools including IDR estimator, PSLF tracker, forgiveness checker, refi vs federal analysis, employer repayment tracking, and college savings comparison.
🔄
Investing & Fees Tools
Asset allocation visualizer, account-type & 401(k) optimizer, rental property analysis, advisor-fee analyzer, fee-transparency scoring, and bias detection — plus the FIRE / financial-independence planner.
💑
Couple & Household Linking
Joint, Separate, or Hybrid household modes. Both partners share a unified financial picture while maintaining appropriate data separation.
🎯
Your Next Best Move
PFOS reads your full picture and tells you the single most important thing to do next — then checks in to keep you on track. When you're ready for personalized advice, a licensed advisor can build and manage a plan with you, right inside the same app.
📅
Behavioral Finance Tools
Spending trigger analysis, lifestyle inflation tracking, savings consistency scoring, financial stress index, and bias detection — understand the psychology behind financial decisions.
🎯
Live Plan Engine
Compare Traditional, Tax-Free, and Hybrid financial strategies side-by-side. The engine evaluates each path on net financial position — debt eliminated plus assets accumulated — not just interest saved. See how your spending decisions impact your plan in real time, with phase-tabbed allocations and bidirectional sync to your financial profile.
📊
Real-Time Spending Hub
Live monthly spending dashboard with a donut breakdown across 9 categories, bill calendar with .ics exports, smart alerts when categories hit 80% or 100% of budget, and daily-pace tracking with depletion forecasts. Every expense updates your scores, plan alignment, and projections instantly.
🏦
Bank Integration via Plaid
Connect your real bank, brokerage, and credit card accounts via Plaid — the industry-standard secure data bridge trusted by thousands of leading financial apps. Transactions auto-categorize into your spending dashboard. Read-only access, encrypted credentials, disconnect anytime.
Built for Everyone

Who PFOS is for

On Your Own

Do it yourself — $19/month

Everything you need to take control of your money, in one app. Connect your accounts, see your full picture, and get a clear next move every time you log in — with a coach that checks in and keeps you on track.

  • Your 4 financial health scores and full plan
  • Your recommended next move, every time you log in
  • 62 calculators — loans, insurance education, retirement, taxes, and more
  • Bank connections, spending, net worth, and projections
  • Debt payoff, emergency fund, and goal tracking
  • Behavioral tools — stress index, spending triggers, savings streaks
  • Couple & household planning (+$15/mo)
  • Progress tracked month over month — celebrate every win
  • Full data export anytime
Start free →
When You Want One

Work with a licensed advisor

When your money gets more complex — investing, tax strategy, estate, insurance — a licensed advisor can build and manage a personalized plan with you. It lives in the same app you already use, so the hand-off is seamless.

  • A one-time personalized Blueprint built for your situation
  • Optional ongoing partnership — regular reviews, priorities re-ranked each quarter
  • Life-event updates as things change
  • Coordination with your CPA, attorney, and investment manager
  • Every action tracked and nudged in the same app — no plan lost in an inbox
  • You keep the $19 app; the advisor is the human upgrade
Request a consultation →
Already Working With Us?

Your portal, always with you

If a PFOS advisor manages your plan, your full financial picture, reports, and plan are with you anytime — on any device — and every recommendation is tracked between sessions.

  • →Your plan, reports, and health scores in one place
  • →Every recommendation tracked between sessions
  • →Message your advisor anytime
Access My Portal →
For Couples & Households

Financial planning built for two

Whether you share everything, keep everything separate, or somewhere in between — PFOS adapts to how your household actually works.

What couples get together:
📊
Unified Financial Picture
Combined net worth, joint income, shared debts — everything in one view so both partners see the full household picture.
🎯
Shared Goals & Milestones
Set goals together — a house, vacation, college fund, early retirement — and track progress as a team with shared progress bars.
📈
Joint Retirement Projections
Monte Carlo simulations that factor in both incomes, both Social Security benefits, and combined retirement accounts.
💳
Combined Debt Engine
Avalanche or snowball across all household debts — both partners' student loans, car payments, mortgages, and cards together.
And each partner keeps:
🏦
Individual Financial Scores
Each partner gets their own Cash Flow, Protection, Growth, and Efficiency scores — separate or combined, depending on mode.
🔒
Private Account Access
In Separate and Hybrid modes, each partner logs in to their own secure account. Neither can access the other's private data.
📄
Individual Reports
Advisors can generate individual reports for each partner alongside joint household reports — full flexibility.
📱
Separate Portal Logins
Both partners get their own client portal. They see what's shared and their own data — nothing more, nothing less.
Start a Couples Account →
Pricing

One simple plan

One membership — everything included. Start with a 14-day free trial, then $19/month. Add your partner for +$15. A licensed advisor is there when you want one.

14-day free trial · no credit card required · cancel anytime.

🔐
Secure billing via Stripe
Encrypted card processing · Cancel anytime from your portal
2 months free
Membership
PFOS
$19/month
14-day free trial · Cancel anytime · +$15/mo to add your partner
Everything you need to see, organize, and act on your money — accounts connected, your full plan, and a clear next move every time you log in.
  • Bank connections via Plaid
  • Budgeting & spending tracking
  • Cash-flow & net-worth
  • Goal, debt & emergency-fund tracking
  • Retirement, FI & college planning
  • Tax tools & protection-gap detection
  • Your 4 Financial Health Scores
  • Priority Engine — your recommended next move
  • Couples & household planning (+$15/mo)
Start your free trial →
Want a plan built for you?
Work with a licensed advisor

When your money gets more complex, a licensed advisor can build and manage a personalized plan with you — a one-time Blueprint tailored to your situation, then an optional ongoing partnership with regular reviews, priorities re-ranked each quarter, and coordination with your other professionals. Your plan lives in the same app, so nothing gets lost in the hand-off.

Request a consultation →

Advisory services are provided by a licensed advisor and priced separately; details are shared during your consultation. Investment, insurance, and tax decisions should be reviewed with a licensed professional.

Early Users

What people are saying

★★★★★
"I always sort of knew where I stood, but never what to actually do about it. PFOS gives me one clear move each month and checks that I did it. My debt is finally going down."
MR
M. Rodriguez
PFOS Member
★★★★★
"I used to have no idea where my money was going. After one session with PFOS I had a full breakdown, a plan, and scores that actually told me where to focus. Game changer."
TL
T. Lewis
PFOS Client
★★★★★
"The retirement projections gave me a real, honest picture instead of a vague guess. I finally understand what I'm on track for — and exactly what to change to close the gap."
JK
J. Kim
PFOS Member
📅 Request a Demo or Consultation

See PFOS in action

Book a 30-minute walkthrough with the Sequence & Co. team. We'll show you the full platform, answer your questions, and help you get set up — no pressure, no commitment.

✅ Request submitted! We'll reach out within 1 business day to confirm your demo time.
FAQ

Common questions

How does billing work?
All billing is handled through Stripe, the same encrypted payment infrastructure used by millions of businesses. Every account starts with a 14-day free trial (no card required); when you subscribe, your monthly or annual plan begins immediately and renews on the same date. You can change plans, switch to annual, or cancel anytime from your portal — no contracts and no cancellation fees. We'll email you a receipt for every charge.
Is there a free trial?
Yes — every new account starts with a 14-day free trial, with no credit card required. During the trial you can enter your finances, use the calculators, and watch your plan take shape. When you're ready, it's one simple plan — $19/month (add your partner for +$15). Bank connections unlock once you're on a paid plan.
How does Plaid bank-account integration work?
Paid accounts can connect their real bank, brokerage, and credit card accounts through Plaid — the industry-standard secure data bridge trusted by thousands of financial apps. Plaid uses bank-level 256-bit encryption, never shares your credentials with us, and gives you read-only access (we can see balances and transactions, never move money). Once connected, transactions auto-categorize into your spending dashboard and balances update in your net worth view. You can disconnect any account anytime from your portal — your historical data stays, but live syncing stops immediately.
What calculators are included?
PFOS includes 62 financial calculators across 13 categories — from loans, housing, and student loans to retirement, tax strategy, estate, life events, and behavioral finance. Every calculator includes clear visual results and plain-English education, with disclaimers where applicable. They're all part of your one PFOS plan — nothing is locked behind a higher tier. Anything involving specific investment or insurance products is handled with a licensed advisor.
Do I need a financial advisor to use PFOS?
No. PFOS works on its own — it reads your full picture, tells you the most important move to make next, and keeps you on track, with 62 calculators, health scores, and your full plan. If your situation gets more complex and you want personalized advice, a licensed advisor can build and manage a plan with you. Many people start on their own and bring in an advisor later.
Can I change or cancel my plan?
Yes — anytime, with no penalties. You can upgrade, downgrade, or cancel your monthly subscription from your portal. Cancellations take effect at the end of your current billing period (you keep access until then). After that your account goes read-only — your data stays safe, and you can resubscribe anytime to pick up right where you left off.
Is my financial data secure?
Yes. All data is stored in Supabase with row-level security enabled — meaning each user can only access their own data. Connections are encrypted via HTTPS, payments are processed by Stripe (PCI-DSS Level 1 certified), and bank-account integrations use Plaid's read-only encrypted bridge. We never sell your data and it is never used for advertising. You can request a full export or deletion at any time from your portal.
How does PFOS decide my next move?
PFOS reads your full financial picture and applies the same order-of-operations a good planner uses — cover a starter emergency fund, clear high-interest debt, then build your full emergency fund while capturing any employer match, then invest tax-efficiently, and so on. It ranks what matters most for your numbers, tells you the single next move, and spells out the "why." It's rules-based and transparent — not a black box — so every recommendation can be explained. Anything that legally requires a licensed professional is routed to a licensed advisor.
What is the difference between an advisory client and a product client?
Advisory clients are linked to a specific financial advisor who manages their profile, generates reports, and provides recommendations. Product clients use PFOS independently without an assigned advisor — they have access to all planning tools but manage their own data. Product clients can request an advisor consultation from within the platform at any time.
Can couples use PFOS together?
Yes. PFOS supports Joint, Separate, and Hybrid household modes for linked couples. Joint households share a single unified financial profile. Separate households maintain independent data but advisors can view both. Hybrid mode allows shared goals and tracking while keeping individual data separate.
Can I give feedback or request features?
Absolutely — and we actively want you to. Click the feedback button in the bottom-right corner of any page to submit feedback, report a bug, or request a feature. We review every submission and many directly influence what we build next.
Can I work with a licensed advisor through PFOS?
Yes. When you want personalized advice, request a consultation from within the app. A licensed advisor can build a personalized plan with you and, if you choose, manage it on an ongoing basis — all inside the same PFOS experience you already use. Advisory services are provided by a licensed advisor and priced separately; details are shared during your consultation.
Get Started

Your financial operating system is ready

62 calculators. A clear next move every time you log in. Bank connections via Plaid. Everything you need to understand and improve your money — on your own, or with a licensed advisor when you want one.

🚀 Create Account → 📅 Book a Demo

14-day free trial · No setup fee · Cancel anytime

💬 Share Your Feedback

Your input directly shapes what we build. Report bugs, request features, or tell us what you love. Every submission is reviewed.

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