Open the apps
Free · No sign-up · Nothing to buy

Look at the odds before you spend the paycheck.

Plain-English tools and an AI money helper for anyone weighing a side hustle, a stock, an option trade or crypto. They show you what could go right, what could go wrong, and when the honest answer is "not yet."

Ask the money helperSee the tools
No income promisesWe never hold your moneyNo ads, courses or paid picks
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Why you can trust this site

Four promises, in writing.

i.

We never promise income.

Anyone who guarantees you'll make money is guessing or selling something. We show ranges and odds instead.

ii.

We never touch your money.

No accounts, no deposits, no wallets. The tools never connect to your broker. You decide here and act in your own app.

iii.

We earn nothing from your choices.

No referral fees, no paid picks, no courses. Nobody pays us when you sign up for anything.

iv.

"Not yet" is a real answer.

If the rent isn't covered or you're carrying 25% credit card debt, we'll say so before we talk about investing.

Three free apps

The math, made plain, on any screen.

Each app pulls live market data, runs the numbers a professional would, and turns them into a decision you can read in ten seconds. They never place trades and never ask for your brokerage login.

Option Check

Should I buy this option, and when do I sell?

Pick a stock, up or down, a date and a strike, and enter your budget. You get one clear answer and a written plan.

  • A decision in plain words: BUY, BUY SMALL, WAIT or SKIP, with the reason
  • Real odds, like "1 in 20 chance to make money," and how far the stock must move
  • An exact sell plan: take-profit price, stop, and a sell-by time
  • "Top 3 setups" scans today's most traded stocks for your budget
  • Live 10-minute chart with RSI, MACD and reversal signals
Open Option Check

Opens in your browser on a computer or phone. Nothing to install.

Crypto Check

Live prices every second, and a plan for every coin.

For Bitcoin, Ethereum, Solana, Dogecoin and 11 more. Choose a quick trade or a 5-day swing.

  • Second-by-second prices streamed from Coinbase, with Kraken as backup
  • A target and stop set from how much that coin really moves
  • A beep and a banner the moment your target or stop is hit
  • Shows when fees would eat most of a small gain
  • Says WAIT or SKIP when the trend is down
Open Crypto Check

Opens in your browser on a computer or phone. Nothing to install.

Company Report

The report an investment firm would write.

Type any stock ticker. In about 20 seconds you get the full picture of the business behind it.

  • What the company does, who runs it, and 4 years of results
  • Debt and safety checks: Altman Z-score and Piotroski F-score
  • A valuation model you can adjust, plus what the price assumes
  • Bear, base and bull projections for the next 5 years
  • Analyst targets, ownership, dividends and key risks
Open Company Report

Opens in your browser on a computer or phone. Nothing to install.

Nothing to install

Tap a link. The app opens.

All three apps run in your web browser, on a laptop, a library computer or your phone. No download, no account, no sign-in.

  1. Open the app

    Tap any button on this page. The app opens in a new tab with live market data already loaded.

  2. Put it on your home screen

    On iPhone, tap Share, then "Add to Home Screen." On Android, tap the ⋮ menu, then "Add to Home screen." It opens like a regular app.

  3. Check before you buy

    Enter the trade you're thinking about. Read the decision, the odds and the sell plan, then decide in your own broker app.

  4. Your money never leaves your account

    The apps only read public market prices. They never ask for a login, never connect to your broker and never place trades.

Do these in order

The 4-step check before you spend.

Most money mistakes skip a step. The helper and the apps walk through the same four, using your own numbers.

  1. Cover the basics

    Rent, food, utilities and minimum payments come first. Then a small cushion, so a flat tire doesn't go on a credit card.

    Goal: $500 to $1,000 set aside before any risky idea

  2. Kill expensive debt

    Paying off a card that charges 24% a year is a guaranteed 24% "return." Almost nothing you can buy reliably beats that.

    Debt over 10% interest usually comes before investing

  3. Size it to lose it

    Only use money you could lose completely without missing a bill. For a risky trade, that's a small slice, not the whole savings.

    Risky bets: no more than 5% of your savings each

  4. Know the odds and the exit

    Before you start, know how often it works, what you could lose, and the exact point where you'll stop or sell.

    Write down your stop before you buy
AI money helper

Talk it through first.

Ask about any idea: a side job, paying down debt, a stock, an option, crypto. Add your numbers on the left for answers that fit your budget. The helper explains; you decide.

KKitchen Table helper

Hi. Tell me what you're thinking about doing with your money, and how much you have to work with. I'll go through the basics, the odds and a safer option, in plain words.

No question is too small. "Is $50 a month even worth investing?" is a great one.

The helper is powered by Claude, an AI model made by Anthropic. Don't share account numbers or passwords. It's for education, not personal financial, tax or legal advice, and it can make mistakes, so double-check anything important.

Side income for the AI era

New ways to earn, with the hype taken out.

AI created real paid work that didn't exist three years ago, along with a flood of courses and "passive income" schemes. These are the ideas that hold up, each with a reality check.

A reality check on every idea

What it really pays, how steady it is, and the catch nobody mentions.

Matched to you

Your hours, your skills, your money, and whether you only have a phone.

A plan for your first week

The helper writes the exact steps for you, using your numbers.

We name the AI scams

Including the "AI side hustle" courses that mostly make money for the seller.

Find your best fit

Answer four questions. Ideas re-sort instantly.
What you're good at (pick any)
AI money traps

Skip these, however good the ad looks.

They share one sign: the person selling the idea makes their money from you, not from the idea.

  • "AI side hustle" courses and prompt packsThe free versions of these tools already teach you more.
  • AI trading bots that promise returnsNo bot can promise profits. Many are scams that disappear with deposits.
  • Mass-produced AI ebooks and coloring booksThe stores are flooded, and platforms remove low-effort AI books.
  • "Faceless channel" passive incomeMost channels earn little. The real money goes to the people selling the course.
  • AI training "jobs" that charge youReal AI training work never asks you to pay for a test, kit or account.
  • Reselling AI art as your ownCopyright and platform rules are unsettled. It's a fast way to lose a store.

The classics still work too: selling things you no longer use, pet sitting, cleaning, yard work and delivery apps. Ask the helper to compare any of them with the ideas above.

Pay ranges come from 2026 published sources, and real pay varies by platform, project and skill: The Interview Guys, AI data labeling jobs in 2026 (contains affiliate links) · Upwork AI skills demand report, via SelfEmployed.com · User testing platforms compared.

Protect your money

Red flags of a money scam.

Scammers target people who need money the most. If you see any of these, stop and ask the helper or someone you trust.

✕

"Guaranteed" or "risk-free" returns. Real investments can lose money. Anyone who says otherwise is lying.

✕

Pressure to act today. "Only 3 spots left" is a sales trick. A good opportunity will still be there tomorrow.

✕

Pay to join, or recruit friends. If the money comes from new members, it's a pyramid scheme.

✕

A stranger online wants to "teach" you to trade. Especially if they move you to WhatsApp, Telegram or an app you've never heard of.

✕

Payment by gift card, crypto or wire. These are hard to get back. Real businesses don't ask for them.

✕

Someone offers to "recover" money you lost. Recovery scams target people who were already scammed.

✕

A job that pays you, then asks you to send money back. That's the fake-check scam. The check bounces later and you owe it.

✕

Your "advisor" isn't registered. Look up anyone selling investments on FINRA BrokerCheck (brokercheck.finra.org) before you pay.