For people who work for themselves
Protect your finances, build your plan and multiply what you earn
See your credit score for free — no card, and checking it never lowers it. Connect your banks, see where your money goes, pay off debt with a plan and keep your deductions ready for tax time. Made for people who drive, deliver or invoice on their own, in English and Spanish.
- Free Equifax score, no card needed
- Banks connected with Plaid, read-only
- Checking your score never lowers it
What it does
Your credit and your money, in one app
Built for people who drive, deliver, clean or invoice on their own: what your bank shows you in pieces and no other app puts together, with the math already done.
Free credit score
Your Equifax VantageScore® 4.0 with no card and a soft inquiry, its factors and how it changes. If you want, all three bureaus with the MyFreeScoreNow membership.
Banks and cards
Connect your accounts with Plaid and see balances, available credit and usage, transactions categorized for you and the terms of your cards and loans.
Where your money goes
What you have spent this month against last month at the same day, and the breakdown by category so you can see where to cut.
A plan to pay off debt
All your debts together, the interest you will pay, the date you will be debt-free and how much sooner an extra payment gets you there.
Card offers and bonuses
Card offers ordered by your score, without hiding any, and a tracker for the spending you still need to earn a sign-up bonus.
Deductible expenses
Every expense with its category and a business-or-personal flag, kept apart per business, and a tax summary with your estimated savings.
Personal and businesses
If you work both as yourself and through an LLC, every expense, account or debt belongs to its entity and their books never mix.
Calculators
Loans, credit card minimum payment, rule of 72 and compound interest, with your own numbers. Also free on this website.
Credit scores and reports by
partnered with
The app
A look inside
Real screenshots of the app, from a demo account with made-up data.
Your score and its factors
Tap a bureau to see what weighs most on your score and what to do to raise it.
Income vs. spending
Month by month: what comes in, what goes out and what is left.
Where it goes
The month’s spending by category, already sorted.
Every debt, with a way out
What is left, when you will be done and how much sooner an extra payment gets you there.
Your cards in detail
APR, minimum payment, next due date and limit in use, straight from your bank.
Payment calendar
Debts, subscriptions and taxes for the month on one calendar.
Calculators
What paying only the minimum costs, and what to pay to be done on time.
Offers, nothing hidden
Every card offer, with the ones that fit your score first.
How it works
From zero to your plan in four steps
- 01
Sign in with a code
Enter your email or phone and get a six-digit code. No password to create, remember or have stolen.
- 02
See your score for free
Authorize the check and confirm your identity with a link sent to your phone. In minutes you have your Equifax score — no card, and it never goes down for checking.
- 03
Connect your banks
Through Plaid, on its own screen: your bank credentials never touch Boosteate. Your accounts, balances and transactions arrive already categorized.
- 04
Follow your plan
This month’s spending, your debt plan, the offers that fit you and your deductions update on their own with every transaction.
Privacy
Your finances are not merchandise
Boosteate sees what you earn, what you owe and your credit. That information is not sold, not shared for advertising, and your score never goes to the banks advertising their cards.
We never store your SSN
It goes once to MyFreeScoreNow to confirm your identity and is discarded. We do not keep your street address, your password or your card number either.
Read-only banks
Plaid connects your accounts without us seeing your credentials. Boosteate cannot move money, and you can disconnect a bank at any time.
Your data is yours
No passwords, and sessions you can close remotely. Export everything whenever you like and delete the account from the app.
On the way
What it does not do yet
None of this is available today. It appears here, not above, because we would rather you know what is missing before installing than find out afterwards.
Alerts
A reminder before every due date, changes in your score and bonuses about to expire.
Automatic mileage
Every trip logged on its own with the phone’s GPS, at the IRS rate.
Receipts and deductible charges
A receipt photo on every expense, and marking a bank charge as deductible with one tap.
Quarterly taxes
Each quarter’s estimated payment and the report for your return, inside the app.
Subscriptions and budgets
Detect recurring charges, warn you when one goes up and set a limit for each category.
Net worth
What you own minus what you owe, and how it moves month to month.
FAQ
What people usually ask
Will checking my score lower it?
No. It is a soft inquiry: only you see it and it does not affect your score. The free score is Equifax VantageScore® 4.0; with the membership you see VantageScore® 3.0 from all three bureaus. They are not FICO® scores.
How much does it cost?
Boosteate is free, including your Equifax score. The three-bureau membership is optional, sold and charged by MyFreeScoreNow, and you see the price and any trial before you pay. Payments are non-refundable.
Is it safe to connect my bank?
You connect it through Plaid, the service many financial apps use. You type your credentials on its screen, not ours, and access is read-only: nobody can move your money from Boosteate.
Does it replace my accountant?
No. It organizes and calculates what you will report, but it files nothing for you and gives no tax advice. You will show up with the numbers done instead of a box of receipts.
Does it work outside the United States?
Not for now: credit, banks and taxes are US-based. The app is in English and Spanish.
What if I want to leave?
Delete the account from inside the app, or email us. We disconnect your banks, withdraw your credit authorization and delete your data. If you have the membership, cancel it with MyFreeScoreNow.
Waitlist
We will let you know when you can get in
One email when it opens, and another only if there is something genuinely worth telling. Nothing else.