Your money, one year at a time

Make this year count.

Checkpoint brings your paychecks, spending, savings and accounts together, then shows you the moves worth making before December 31 — and whether you're on track for the retirement you want.

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Now in private beta. Your data is encrypted and never sold.

Moves for this year

Example household · ranked by what they're worth

Projected income$148,200

Est. tax refund$1,240

✓

Add $310 per paycheck to your 401(k)

Uses the rest of this year's limit, including catch-up.

$1,480tax saved

✓

Fill your HSA: $2,850 left

Through payroll it skips FICA tax too.

$845tax saved

✓

Dining out is $180 over budget

Across 3 of the last 4 months.

$2,160per year

Plan this year's income

Upload paystubs and add bonuses or a spouse's pay. See your full-year income, take-home and estimated tax refund or bill — and how to fix your withholding.

A budget that fills itself

Connect accounts, import YNAB or bank exports, or type monthly totals. Spending is categorized for you, card payments aren't counted twice, and you see each month against plan.

Every limit, tracked

401(k), IRA and HSA limits — including catch-up contributions after 50 — with pace markers, deadlines and exactly how much per paycheck closes the gap.

Smarter tax moves

See your bracket and how much room is left in it, when a Roth conversion makes sense, and whether you overpaid Social Security tax with more than one employer.

Your HSA, used well

Log medical bills and receipts once, track your deductible, and know how much you can reimburse yourself tax-free whenever you choose.

The long view

A readiness score and projection to retirement in today's dollars, with what-if sliders for retirement age, extra savings and returns.

EncryptedDocuments and bank connections are encrypted at rest, and all traffic uses HTTPS.

Yours to keep or deleteDownload everything any time, disconnect banks, or delete your account and data in one step.

Never soldWe don't sell your data or use it for advertising. AI features are off unless you turn them on.

Bank connections are provided by Plaid. Read our privacy policy and security overview.

Know where you stand this year.

Checkpoint is in private beta. Tell us a little about you and we'll send an invite.

Request early access