Join 50,000+ people mastering their money

Master Your Money,
One Decision at a Time

Stop wondering where your money went. Get a personalized plan that tells you exactly what to do with every dollar.

Free forever
No credit card
2 min setup

See Your Money Work For You

Watch how we turn payday stress into financial confidence

2 min

Average setup time

$847

Avg. savings found monthly

94%

Feel more in control

Sound Familiar?

You get paid, bills come out, and somehow there's nothing left for you

Every month feels like starting from zero, no matter how hard you work

You want to save or pay off debt, but there's never 'extra' money

Budgeting apps are complicated and make you feel worse, not better

You know where your money should go, but life keeps getting in the way

You're not bad with money. You just need a better system.

How LorenFlow Works

Three simple steps to financial clarity

1

Tell Us About You

Share your income, bills, and goals. Takes 2 minutes.

2

Get Your Plan

We create your personalized paycheck checklist showing exactly what to do with every dollar and when to do it.

3

Live Your Life

Know exactly how much you can spend guilt-free today while bills get paid and goals get funded automatically.

Everything You Need to
Win with Money

No overwhelm. No shame. Just progress.

Paycheck Checklist

Never wonder what to pay first. We prioritize everything.

Daily Allowance

See exactly how much you can spend today without guilt. Bills and savings are handled.

Debt Crusher

The fastest path to pay off debt while keeping the lights on. Watch progress grow every week.

Emergency Fund

Build your safety net $5 at a time. Small steps, big peace of mind. Start with $500.

What-If Calculator

See the real impact before you skip a payment or splurge. Decide with confidence.

Finance Grade

Track your financial health with a simple A-F grade. Watch it improve with every decision.

Start Free, Upgrade When Ready

Get started with Kickoff for free. No credit card required. Upgrade when you're ready for AI-powered accountability.

Kickoff

$0/forever

Start taking control of your money

Monthly Plan Generator

Get 1 clear plan per month

  • Basic payday planning
  • Safe spending tracker
  • Bill due date alerts
  • Simple budget overview
Most Popular

Discipline

$11.99/month

Stay on track with AI accountability

Accountability Loop

Decision gates + consequence preview + recovery

  • Everything in Kickoff, plus:
  • AI decision gates
  • Real-time consequence preview
  • 48-hour recovery protocol
  • Pattern detector & insights

Operator

$39.99/month

Get money back with expert help

Monthly Plan Audit

Find real dollars: waivers, negotiation, recovery

  • Everything in Discipline, plus:
  • Monthly expert plan audit
  • Savings & waiver playbook
  • Bill negotiation scripts
  • Priority support

All plans: Unlimited updates • Mobile access • Cancel anytime

Ready to Stop Stressing About Money?

Join thousands of people who are finally winning with their paychecks. Start your free plan in 2 minutes.

No credit card required. Cancel anytime. Your data is private.