Not a stock terminal. Money help for real life — for the rest of us. Better Tools finds hidden savings, bills you can lower, free help near you, and a simple plan to get ahead — in plain English, not bank-speak. Whether you make $30,000 or $150,000, everyone can use a little help.
🤝 We work for you, not for advertisers. Every offer here is hand-picked and never predatory — no payday traps, ever.
That's about 5¢ a day, and your $20 comes right back as loyalty points you can use.
The magic screen
Answer a few plain questions in the Life & Money Checkup and Better Tools turns them into a personal action plan — the specific, dollar-amount moves that help you most, first.
What's inside
Each one turns a worry into a clear next step.
Tell us what's going on. We find your top opportunities. Start free →
A real payoff plan and scripts to lower your rate. →
Should you refinance? See it in dollars, not guesses. →
Build your first safety net, a few dollars at a time. →
Make your paycheck last — see it at a glance. →
A personalized 30/60/90-day plan to rebuild. →
Food, rent, utilities, legal & more by ZIP code. Open →
We write the script; you make the call and save. →
Coupons, cheaper flights, DIY cleaners & more — each with what it could save you. Browse →
Our promise
Use Better Tools once a month and complete your Checkup. If we don't identify at least $200 in savings or benefits you could claim in a year, we refund your membership. (We almost always find far more — one lowered credit-card rate usually does it.)
Bring a friend
Send your personal link. Every friend who joins and stays a member gets you and them $10 in Stars — up to $200. Rewards land after your friend has been a member 30 days, so everyone's in it for real.
Family, friends, coworkers.
A real $20 member for 30 days.
In Stars — up to $200 total.
Stars are loyalty points you spend on CloudFran — not cash. Members must be 18+.
Start with the money you already have.
Join for $20 / year