3to1 — also written "3 to 1" — turns your money, investing and learning into
one number: your Freedom Day, the date you're debt-free.

3to1 brings your whole financial life into one calm, focused app — so you always know where you stand and what to do next.

Most money apps hand you a pile of numbers. 3to1 is built around three pillars that add up to one goal: your financial freedom.

GROW — your money today
See your true net worth update live, track spending against a simple budget, watch your savings and debt, and keep an eye on your credit — all in one place, no spreadsheet required.

INVEST — your portfolio, clearly
Securely link your brokerage and retirement accounts to see your real holdings, returns, and allocation. Follow the markets, research tickers, and understand what you own without the noise.

LEARN — get sharper every day
A built-in coach and a growing library turn everyday money questions into plain-English answers, so you're always learning as you go.

AN AI COACH THAT KNOWS YOUR SITUATION
Ask anything about your money and get grounded, up-to-date answers based on your real accounts and today's markets — not generic tips. It remembers your goals and helps you stay accountable.

PRIVATE AND SECURE BY DESIGN
Your accounts are linked read-only through trusted providers (Plaid and Snap Trade). 3to1 can never move your money or place a trade. Everything travels over encrypted connections, and you decide what's connected.

3to1 is your countdown to financial freedom — three pillars, one clear path.

Not financial advice. 3to1 is an educational tool to help you understand and organize your money.

3to1 — also written "3 to 1" — is a personal finance app that brings your
budget, your investments and your debt into one number: your Freedom Day.

Build a budget that matches how you actually spend. Track net worth across
every bank and brokerage account. Watch your investing portfolio update live.
Get a plan to pay off debt faster — with an AI money coach that knows your
real numbers.