Climb.

Magnitude replaces the single bank balance with a new payment protocol. The minute your paycheck lands, your income is partitioned into purpose-bound balances—one for what you need to live, one for what you want, one for what you hope for. Each holds its own money on its own timeline. Then at the register or online, Magnitude routes from the right one to your debit card. You never track spending again, and you never hold the whole month in your head. The structure is what you're buying. The simplicity is what you're getting.

Rather than putting the money you make into one balance, or transferring it between several, Magnitude partitions your take-home into two: Necessary and Discretionary. 70/30 to start, until it learns yours. Necessary fills first. It partitions again across your recurring expenses, starting from localized benchmarks that adapt to your income and your actual costs. Discretionary — the remaining 30 — splits evenly across wants, goals, and investable. 10/10/10 by default, and yours to change. Wants partitions once more into a spendable per diem that runs until your next paycheck lands. Goals are what you'd like to fund in the near future. Investable sets money aside each month for you to route to your brokerage, IRA, or 401(k). Every purpose-bound balance is governed by time, and time is the constant that makes everything in Magnitude measurable. You stop holding it in your head, working it out on your own, or wondering what comes next. You can see exactly where you stand and how high you can climb. If you've already built your nest egg, Magnitude shows you what it takes to make it last. And once you've built real wealth, you can make it generational.

Magnitude isn't for everyone, it's for anyone who knows what this feels like: The number in my account has never been the number I can spend. I do the mental math myself, every time I look. At least half of my paycheck goes to the past, for things I put on my credit card, but I don't pay it off every month because I don't want to part with all my cash. I've used budgeting apps, 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 to see my net worth number. I want to enter one number and see the whole thing work—what I make in a year, before tax. Everything after that should figure itself out or be easy enough to 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 is investable—so I can see how close I am to reaching real wealth. And I don't want to pay 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 a single balance. Everything comes in. Anything goes out. Nothing stops it. Neobanks trade a physical branch for an improved digital experience, but everything else is essentially the same. Nothing new to see here. Credit cards take advantage of the volatility caused by a single bank balance. Sure, it's easier to pay a credit card once instead of 20 different bills, but now most of your next paycheck goes to paying off last month. This isn't something anyone can hold in their heads, so what do we do? We turn to budgeting tools, which are just a brittle connection to your bank and credit balances. Not only does this connection often break, budgeting tools have no ability to enforce the plan you put in place. That's why they so rarely stick—and why so many people stop using them. Magnitude works upstream of the bank balance, solving the problem at its root cause before the symptoms surface. The moment your paycheck lands in Magnitude, your money funds the future. Your bank balance can no longer wander off. Next payday's money is already set aside, not competing with last month's bill. And you can leave your budgeting subscription behind—because Magnitude sorts all your money up front. The difference is simple: Every tool tracks your transaction trail. Magnitude puts your paycheck on a path.

Ultra. Your paycheck comes here. The plan does the work: income lands, splits across your reserves, and the right one pays at the register — GPS is how it knows which one. You decide once; nothing after that is yours to do. $149 once, fully refundable until launch. Ultralight. The same plan, built the same way — Magnitude still fills in the numbers and shows you where your money should go. What it can't do is carry it out, because it isn't holding your money. $14 a month, cancel any time.

You enter one number: what you make in a year, before tax. That's the whole setup. Every money app is built around the money. Which makes sense, until you think about it from a different perspective: yours. Magnitude is built around you. You come first, the number comes second. So here's what that one number turns into. 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 is investable, 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's yours to 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 Enjoy. Your mortgage money 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, a single balance has forced every dollar to fight for the same pile. First swipe wins. Magnitude ends that, and there's nothing to categorize afterward, because you already decided.

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—what people near you actually spend on groceries, gas, and utilities—so you begin with benchmarks that work instead of a replay of last month. From there, everything bends to you, nothing breaks. Move money, adjust a split, undo any of it. Anytime. Every financial plan sounds perfect until it meets real life. This one gives you a clean cut from the start and sharpens itself with each swipe.

Plenty of people use credit and always will. Nothing here asks you to stop. But half the country reaches for debit instead, and not because they can't get approved. They ran the numbers and decided the rewards weren't worth the risk. 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. Walk into a grocery store and your phone tells you what's actually there: $400 available, or $200 twice 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, which will be disclosed at launch. FDIC insurance covers up to $250,000 per depositor, per insured bank. 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.

$149, once. That's Magnitude Ultra — planning, banking, routing, and GPS. The card, and the whole system underneath it. Pre-order now and you're done paying. No renewal, no monthly fee, nothing billed again. Ultra is fully refundable until launch. There's a second way in: Magnitude Ultralight, $14 a month. You get the same plan — built for you, not by you — without the banking and routing that carry it out.

A one-time fee can't run a service forever, and we don't pretend it does. Your $149 builds it and sets you up. After that we're paid through interchange — the small fee the card network pays us each time you use your Magnitude debit card. 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 even overdraft, and we don't let you go negative to guilt you into leaving a tip. We can't earn more by getting you to spend more, because you can only spend what's there. We only win when you win, which is rarer in finance than it should be.

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. Or delete everything from inside the app — 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.