Broke.si
The AI coach for getting out of broke and staying out
Practical, judgment-free guidance on budgeting, debt payoff, and rebuilding after being broke. Learn the moves that actually work - no shame, no jargon, just a clear next step. This is educational information, not financial or legal advice.
No card required · $9/mo Plus · $99/mo Premium
What you get
Everything Broke.si gives you
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Debt payoff strategies
Snowball vs avalanche methods explained with real numbers.
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Budgeting from zero
Build a spending plan even when the paycheck barely covers the basics.
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Scam red flags
Spot predatory loans and debt-relief scams before they cost you more.
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Saved conversation history
Sign in free and pick up your plan right where you left off.
Go deeper
Getting Unbroke: Core Concepts
Foundational money concepts explained in plain language.
Debt
- Debt Snowball — Paying off smallest balances first for quick psychological wins.
- Debt Avalanche — Paying off highest-interest debt first to minimize total interest paid.
- Minimum Payment Trap — Why paying only the minimum can keep a balance growing for years.
Budgeting
- Zero-Based Budget — Assigning every dollar of income a job before the month begins.
- 50/30/20 Rule — A simple split between needs, wants, and savings or debt payoff.
- Emergency Fund — A small cash cushion that prevents one surprise bill from causing new debt.
Rebuilding
- Credit Utilization — Keeping balances low relative to credit limits to help credit scores recover.
- Secured Credit Cards — A deposit-backed card used to rebuild credit history responsibly.
- Nonprofit Credit Counseling — Accredited agencies offering free or low-cost debt management plans.
Pricing
Simple plans that grow with you
Most popular
Plus
$9/mo
- ✓200 questions per day
- ✓Full saved conversation history
- ✓Personalized payoff timelines
Premium
$99/mo
- ✓Unlimited questions
- ✓Extended deep-dive answers
- ✓Everything in Plus