Financial Stewardship App
A money coach in every pocket.
Connect to your bank, see where every dollar goes, and get a personalized plan to give more, save more, and spend smarter — all guided by AI and rooted in biblical wisdom.
Financial Stewardship App
Connect to your bank, see where every dollar goes, and get a personalized plan to give more, save more, and spend smarter — all guided by AI and rooted in biblical wisdom.
How it works
No spreadsheets. No budgeting class. Just seven questions, one bank connection, and an AI that does the rest.
Income, debt, savings, and goals. Auto-advance with each tap — a conversation, not a form.
~ 45 seconds
Plaid-powered, bank-grade security. Reads transactions, never moves money.
~ 60 seconds
Maps your spending to the Money Map and builds a personalized stewardship plan.
~ 30-60 seconds
A 0-to-100 score reveals where you stand against biblical targets. Then start your first challenge.
Your journey begins
The framework
Four categories. One framework. Every dollar sorted into the place it belongs — so members can see what's working, what's not, and where generosity fits in.
Target: ≥ 10% of income
Giving comes first — not from what's left over. The app helps members set up recurring giving and tracks progress toward their tithe goal.
Target: ≤ 50% of income
Rent, utilities, insurance, car payments — the non-negotiables. The app identifies when essentials are crowding out everything else.
Target: ≥ 10% of income
Emergency fund, debt payoff, long-term savings. The app runs a debt snowball calculator and flags subscriptions that are silently draining this category.
Target: ~ 30% of income
The guilt-free zone. Dining out, hobbies, entertainment. The framework doesn't eliminate fun — it makes room for it by getting the other three right.
AI Challenges
Generic budgeting advice doesn't work. The AI coach reads real transaction data through Plaid and creates challenges tailored to each member's habits.
Worth It?
Once a week, the app surfaces recent transactions one at a time. Swipe right: needed it. Swipe left: didn't. No lecture, no shame — just a pattern of awareness that compounds over time.
Debt Snowball
The app detects recurring debts through Plaid and builds a snowball payoff plan — smallest balance first. Monthly check-ins keep momentum going, and every dollar freed becomes a dollar available for generosity.
Progress you can feel
Scores, hearts, and streaks turn financial faithfulness into a journey with visible milestones — not a one-time guilt trip.
A single number from 0 to 100 — weighted toward generosity, not just saving. It rises as members give, save, and cut waste. Weighted: 39% giving, 28% savings, 17% essentials, 17% lifestyle. Not a credit score. A faithfulness score.
A running measure of faithfulness — earned through check-ins, challenge completions, Worth It sessions, and subscription cancels. Grace bombs give surprise bonus hearts at random. Hearts never expire, only grow.
The app knows when you're thriving, when you're steady, and when you've been away. Streaks reward consistency. Moods adapt to your pace — celebrating wins and gently nudging after gaps. No shame. Just momentum.
Pricing
Churches sponsor the Stewardship App for their congregation on a per-seat basis. Members get the full experience — AI coach, Money Map, challenges, score — completely free.
Church-sponsored member
Full access to every feature. Your church covers the cost as an investment in their congregation's financial health.
Individual member
Same full experience for members whose church hasn't sponsored them yet.
See it in action
30 minutes. We'll take you inside the Stewardship App — the onboarding, the Money Map, the AI coach, the score — and show you what your members will experience.
Book a demo