Climb.

Magnitude helps you decide everything at once, so you can put everything you have toward everything you want. In a world of infinite options and increasing demands, trade-offs can no longer fit inside your head. But they can fit in your hand. Every day, millions of people get paid trillions of dollars, and they try to decide what to do with it. For more than half of us, it goes sideways. Buy everything at once: Amazon. Decide everything at once: Magnitude. It's the infrastructure that's missing from the internet. Everyone knows the cost of everything, and it’s getting easier. No one knows the opportunity cost of anything, and it’s getting harder. Magnitude shows the opportunity cost of everything you want. Every trade-off, computed together in real time, before you commit to a path. Make any change and see the impact on everything. It’s addictively good. Magnitude’s first consumer product, Lens, launches on iOS this fall, for anyone with the ambition to climb financially. You get it before you bank on it. Lift and Link follow in January 2027, with banking built in through our partner bank, Member FDIC. That’s Magnitude.

No. Budgeting tools try to predict the future from your trail of past transactions, but they can't make the card stick to the plan. Because each swipe pulls from the same pile of money, it only holds if you always hold its hand, and never let it slip. Exhausting. When the underlying problem persists, everything built on top of it feels like a patch. Magnitude solves the downstream problems with an upstream solution. Always consider the source.

Magnitude is the structure that money needs underneath to modernize. The base layer, ReserveRails, turns your bank balance into virtual containers—your income always operates from your original intent. The middle layer, PreAllocate, divides each paycheck, so everything stays in its own lane—your needs always come first. The surface layer, PrePurchase, links your device to your debit card, routing money in real-time at the point of sale, on the same payment network used by VISA, Mastercard, and AMEX.

For anyone whose ambition is ahead of their income, and who knows what this feels like: The number in my account has never been the number I can spend. I do the math in my head every time I look. At least half of my paycheck goes to the past, to things I put on my credit card, and I carry a balance because I don't want to part with all my cash. I've tried budgeting tools, but they're perfect plans that never end the way they begin, so I don't even like to look anymore. It shouldn't be this hard. I don't need another net worth number. I want to enter one number, what I make in a year before tax, and watch the whole thing work. Everything after that should figure itself out, or change with a tap. I want to see what my life costs, what's mine to enjoy, which goals I'm funding, and how much I can invest, so I know how close I am to real wealth. And I don't want another monthly or annual subscription. I want to pay once. One and done. Do that, and I'm yours. That's what we built.

Traditional banks give you one number for everything. Everything comes in. Anything goes out. Nothing stops it. Neobanks swap the branch for a better app, but it's still one number for everything. Credit cards take advantage of how that number swings. Paying one card is easier than paying 20 bills, but now most of your next paycheck goes to last month. Nobody can hold that in their head, so what do we do? We turn to budgeting tools, a brittle connection to your bank and card balances. The connection often breaks, and even when it holds, the tool can't enforce the plan you made. That's why so many people stop using them. Magnitude works before the number, not after it. The moment your paycheck lands, it's divided across needs, wants, goals, and investments, each with its own balance. Money for what's coming is set aside first, so it isn't competing with last month's bill. And you can leave your budgeting subscription behind, because there's nothing left to track. The difference is simple: Every tool tracks the trail of transactions behind you. Magnitude puts your paycheck on a path ahead of you.

One payment each. No renewal, no monthly fee, nothing billed again. Lens, $49. Your whole path, mapped for you, not by you. It's the best way to see if you like it before you switch your direct deposit to Magnitude. Lift, $149, or $100 if you have a $49 upgrade credit. Everything in Lens, plus banking, routing, and the card that pays from the right balance. Link, $199. Everything in Lift, for any two people who combine their finances or keep them separate: both paychecks preallocated, shared bills forecast, private spending for each of you, and joint banking if you combine. Pre-orders open in stages as our banking partners go live. Upgrade anytime, and you get full credit for what you've already paid.

Lens. Magnitude maps your path: it fills in the numbers and shows you where your money could go. $49, once. Lens is the best way to see if you like it before you switch your direct deposit to Magnitude. If you upgrade, you get full credit for what you paid. Lift. The same path, and your paycheck comes here. The path does the work: income lands, splits across your reserves, and the right one pays at the register — your location, if you choose to share it, helps it know which one. You decide once; it runs from there. $149 once, or $100 if you have a $49 upgrade credit.

$199, once, for the two of you. Link is Lift for any two people, whether you combine your finances or keep them separate. Everything in Lift, plus both incomes preallocated, shared expenses forecast, and private spending for each of you. Combine your finances and you also get joint banking, routing across your combined balance, and a second debit card. One system underneath both of you.

You enter what you make in a year, before tax. That's the whole setup. Every money app is built around the money. Magnitude is built around you. You come first, the numbers comes second. So here's what that Magnitude does with how much you make. You see what you actually take home. You see what your life costs. You see what's yours to enjoy. You see which goals you're funding. You see how much you can invest, and how close that puts you to real wealth. One income, doing all of it at once. You just couldn't see it before.

This is the moment Magnitude was built for. Income lands and routes itself, in the order you set. Needs first: housing, utilities, the things that must be paid on time, every time. Then what's yours to enjoy, the goals you're funding, and what you'll invest. You make the big decisions once, not a hundred times a month. Everything after is follow-through. That's the payday feeling. Every time you open Magnitude.

You tap your Magnitude debit card and the money comes from the right place on its own. Groceries pull from groceries. A night out pulls from wants. Your rent or mortgage stays where it belongs. It looks like one debit card. Behind it, every part of your life is kept separate, so a swipe today can't quietly rob what's already spoken for. Your whole life, one number has made everything fight for the same pile. First swipe wins. Magnitude ends that, and there's nothing to categorize afterward, because you already decided.

What you pay once builds it and sets you up. After that, we'll be paid through interchange, a small fee the merchant's bank pays each time you use your Magnitude debit card, which our card program will share with us. It costs you nothing. That's the alignment. We earn when you spend money you'd already set aside, not when you're confused, overdrawn, or in debt. In Magnitude, you can't overdraft, and we'll never ask for a tip. We can't earn by pushing you past what you have, because you can only spend what's there. We only win when you win, which is rarer in finance than it should be.

No. You can change your plan before or after your money lands, because it's made to move with you. First, Magnitude fills in the numbers with what people near you actually spend on groceries, gas, and utilities, so you start from benchmarks that work instead of a replay of last month. From there, everything bends to you and nothing breaks. Move money, adjust a split, undo any of it. Anytime. Every financial plan sounds perfect until it meets real life. This one starts strong and sharpens itself with each swipe.

Plenty of people use credit and always will. Nothing here asks you to stop. But plenty of people choose debit instead, to keep every purchase tied to money they actually have. Two, three, even four percent back sounds like free money. Then set it against what credit actually costs: people spend more when they don't see the money disappear right away, and about half of cardholders carry a balance at an average rate north of 20%. A few percent doesn't survive either one, let alone both. Magnitude is built for that decision. What you need is funded before it's due, what's left to enjoy is genuinely yours, and you stop needing next month's money to cover this one.

Magnitude works at any income level. When money is tight, it matters more than ever. The more you make, the more room you have to maneuver. Either way, it's the order that does the work. Essentials are funded first. Everything else waits its turn. You'll know before you're in the aisle. If you share your location, walk into a grocery store and your phone tells you what's actually there: $400 available, enough for two $200 trips before your next paycheck. If something still runs short, it stays small and it stays visible. Magnitude covers it from your buffer, or asks where you'd rather make the trade, never quietly, and never by pushing you into hidden debt. And emergencies don't have to blindside you. Set one up before you need it and fund it a little at a time. Problems surface early, while they're still small enough to fix.

Magnitude is a financial technology company, not a bank. Your funds will be held at our partner bank (Member FDIC), whose name will be disclosed before we launch USD on Lift or Link. FDIC insurance covers up to $250,000 per depositor, per insured bank — and it protects against the bank's failure, not Magnitude's. That limit applies across everything you hold with us — it doesn't multiply because your money is split into separate balances.

Yes. We don't sell it, we don't share it with advertisers, and we don't hand it to data brokers. There's no asterisk on any of those. Some parties see it because they have to: the bank that holds your money, the card network that moves it, and whatever the law requires every financial institution to report. When we add an outside service, we'll tell you. Most of what you ask Magnitude runs on your phone. If a question needs more context than the device holds, it goes to a cloud model — your name doesn't go with it, and neither does raw audio. If you spoke it, what leaves is text. What we do is keep it — all of it, indefinitely. That's deliberate. Your trajectory is the product, and how far you've come only means something with years behind it. Data we deleted is a picture we can't show you. Turn on location and Magnitude tells you what's available before you're in the aisle. That's the trade: your phone says you're at the store, and that becomes part of the record. Switch it off whenever you want.

Yes. Your paycheck comes here — the routing can't work on money it never receives. The switch itself is one form. When we launch, we'll walk you through opening your account with our partner bank, then hand you step-by-step instructions or a pre-filled form for your employer. And keep your old account open. We'd rather you did. Give this one month, watch where your money goes, and you'll never go back.

Magnitude isn't for everybody. If it turns out not to be for you, you move your money out — no hoops, no retention offers. Closing your bank account doesn't cancel Magnitude. You paid once and it stays yours: the plan you built, the picture of where your money goes, all of it. Come back in a year and it's exactly where you left it. Before launch, your $149 comes back in full. After launch it doesn't, because you keep what you paid for. The app will soon let you delete everything yourself — no email, no permission needed. Close your bank account first, though: deleting your data doesn't close it. We keep certain banking records for five years because the law requires it, and after that those go too. If something went wrong, tell us before you go. We'd rather fix it.

Yes. We'll give you a spreadsheet of everything you've entered and a full transaction log — before you go or after. Not all of it will map neatly onto other personal finance tools. Magnitude is structurally different from the rest, and the export reflects that.

Download the app and invite your friends or followers. Everyone who claims one of your invitation codes earns you $2 toward an upgrade to Lift or Link, up to the full price of each. If you share your code publicly, say that you get credit when people claim it.