kbn
No bank connection
Your numbers stay yours, always.
Eight minutes
A few questions. No app to install.
Free to start
Score + Money Profile, no account.
Full refund
If the Full Reading isn't useful.
No subscription required. An optional monthly re-read, never an app to maintain. You've quit a budgeting app before. This isn't one.
59% of millennials and 48% of Gen Z report feeling behind on their financial goals.
Source: Intuit Credit Karma / Qualtrics, December 2023, n=1,006
Now try it yourself
Which of these sounds like you?
Your real Koven Pulse shows the score and Money Profile free. The three moves are the part you unlock.
The Sequence
Your number, and your exact next move.
Not three tips. The right order of operations for your money, and where you stand in it. You see the whole climb. You only have to take the next step.
Cover the Floor
A starter cushion, so one bad week isn't a crisis.
Grab the Match
Every dollar your employer will match. Free money first.
Your next step
Kill High-Interest Debt
The balances charging you the most, cleared first.
Build the Buffer
Three to six months, so you stop living exposed.
Open the Doors
The tax-advantaged accounts you keep meaning to open.
Put Money to Work
Invest the surplus on a schedule, not a whim.
Accelerate
The home, the freedom number, the things that were the point.
Illustrative. Your Sequence is built from your own numbers.
The offer
Start free. Pay once for the reading. Re-read only if you want to watch it move.
Your score is free. The Full Reading is a one-time $29. Membership is optional. No subscription required.
The free score
Your score in about 8 minutes.
The Full Reading
Everything in the free score, plus:
Built to be worth more than $29. If it isn't, the refund is one email.
Koven Membership
Everything in the Full Reading, plus:
Your $29 reading applies to membership: your first 3 months free.
or $79/yr. Cancel anytime. No subscription required.
What it is
A credible reading. Yours, and private.
Not a budgeting app
No dashboard to maintain, no streaks, no daily check-ins. See your score free, unlock the Full Reading once, and re-read only when you want to.
Not connected to your bank
We never connect to your accounts. Your answers are used only to build your reading. No bank links, no data held hostage, no ads, no resale. The product is the only thing we sell.
Not financial advice
Everything in your reading is educational. A specific number is a mirror, not a mandate. What you do with it is yours.
Every number on this page is illustrative, never a customer's private data and never a fabricated testimonial. Your reading is yours alone.
FAQ
Yes. Your Koven Pulse, your Money Profile, and your five-factor breakdown cost nothing, and you need no account to start. The Full Reading (your unnamed gap, your three moves, and your 30-day challenge) is $29, one time.
See your number.
Then watch it move.
Eight minutes. Your score is free, and it's a starting line. If the Full Reading isn't worth $29, the refund is one email.
Your score is free. The Full Reading is $29, one time. No bank connection required.
The Full Reading not useful? Full refund. No questions.