Find the money you're leaving on the table.
A 2-minute quiz builds your personal plan: every money move ranked by real dollar impact, with a running tally of the dollars available to you and the dollars you've claimed back. Free to start on iPhone. No bank logins, ever.
Launching early August · Get the link first
Three minutes to your first move
Answer five honest questions.
Your goal, your stage of life, your savings, your 401k, your debt. Two minutes, no judgment, and no bank passwords, your answers are enough to build the plan.
Get your plan, ranked by real dollars.
Not thirty generic tips. Your moves, in order of what they're worth: the unclaimed 401k match, the 0.01% savings account, the insurance you never re-shopped. Your single Next Move sits on top, the rest queue behind it, each with the exact next step and Ian's take.
Turn available money into claimed money.
One 30-second challenge from Ian a day, plus a free weekly coaching session every Wednesday — and episodes unlock moves in your plan. Each fix moves real dollars from AVAILABLE to CLAIMED, and the green number only goes up.
Run your own numbers.
Seven built-in calculators — emergency fund, debt payoff, home affordability, Roth IRA, compound interest, net worth, retirement — plus your first Bill Scan and a resource library, all curated by Ian. No spreadsheets required.
Most people aren't bad with money.
They're leaking it.
No bank logins. No account required.
OnTrack never asks for your bank passwords and never connects to your accounts. Your answers stay on your phone. The only thing you can share with us is your email, and even that's optional.
Is it actually free?
The plan is free, forever. The 2-minute quiz, your first three moves, the weekly WealthCast, your first bill scan, and all seven calculators — no card, no trial, no catch. OnTrack Premium ($79/year or $9.99/month, with 7 days free) unlocks the rest: every move in your plan, the AI Bill Scan that reads your actual bills, Rate Watchdog alerts when the market beats your rates, Ian's walkthrough on every fix, the full WealthCast library, and The Inside Track — a members-only channel where you ask Ian questions privately and he answers in posts, voice notes, and video lessons. Some recommendations use partner links either way, and the dollar math is always shown to you.
Do I need money to start?
No. If you have $0 and debt, the plan starts exactly there, and the first goal it gives you is your first $1,000 emergency fund. It's built for the climb out, not for people who already made it.
How is this different from a budgeting app?
Budgeting apps tell you where your money went. OnTrack tells you what to do next. One is a rearview mirror, the other is a map.
What are WealthCasts?
Short coaching sessions from Ian — a new one every Wednesday on the money news that affects you — free for everyone — plus a topic library for Premium members you can start anywhere. You can ask Ian a question right from the player, and episodes unlock moves in your plan, so what you learn flows straight into what you do.
What about Android?
iPhone first. If enough people ask, Android follows, join the list and tell us.
When does it launch?
Early August 2026. Everyone on the waitlist gets the download link the day it goes live.
Free finds it. Premium wins it back.
- The 2-minute quiz and your personal plan
- Your first 3 moves, ranked by real dollars
- Ian's Daily Challenge and your wealth streak
- The weekly WealthCast, every Wednesday
- Your first Bill Scan and all 7 calculators
- Every move in your plan, unlocked
- AI Bill Scan: snap any bill, we read the numbers and flag the junk fees
- Rate Watchdog: alerts when the market beats your savings, insurance, or mortgage rate
- The Inside Track: ask Ian privately, he answers members in posts, voice notes, and video lessons
- Ian's walkthrough on every fix + the full WealthCast library
- Unlimited bill re-scans
Cancel anytime in two taps. The free plan is never taken away.
Be first in line.
Waitlist members get the download link the day OnTrack goes live, plus my three best money-leak fixes while you wait.