Fifecta
Give Every Paycheck a Plan
If your paycheck is gone before you can say where it went, you don't need more willpower. You need a plan for the money before it lands. Fifecta is the app Priceless Tay coaching clients use to do that, and now you can use it on your own.
How It Works
The four Money Types, Spender, Saver, Scrambler, and Strategist, landing on Scrambler with its first fix: Bills First. 1Find your Money Type
Take the quick quiz when you sign up. Spender, Saver, Scrambler, or Strategist, Fifecta starts you on the first fix for how you actually handle money.
A $2,400 paycheck split into FUNDS: $831.24 Fixed, $150 Unexpected, $385 Needs, $140 Desires, and $200 Stash. 2Plan your paycheck with FUNDS
Split each paycheck into Fixed, Unexpected, Needs, Desires, and Stash, so you know what's safe to spend before you spend it.
Sorting new charges with one tap each: Venmo $180 to Desires, Walmart $40.60 to Needs, and Burger King $101.80 to Desires. 3Track it and adjust
Connect your bank or type your numbers in. Sort each purchase into a bucket and see what's left in Desires before payday.
Numbers from a demo account.
Diagram: one paycheck splits into five FUNDS buckets. Fixed: rent, bills, insurance. Unexpected: your emergency fund. Needs: groceries, gas, copays. Desires: guilt-free fun money. Stash: investing and goals.
Same Paycheck, Sorted
Without a plan, every purchase pulls from one pile. With FUNDS, each one already has a bucket, so you can see what's safe to spend. Drag the handle to compare.
Four days after payday: where did it go?
RentCoffeePhone billCar repairGroceriesConcert ticketsSavings?Every purchase has a bucket
FixedRent, Phone bill
UnexpectedCar repair
NeedsGroceries
DesiresCoffee, Concert tickets
StashSavingsEverything Else Inside
Debt payoff dates
See when each card or loan is gone, and the snowball or avalanche order to pay them.
Goals with a monthly number
Set a goal and Fifecta tells you what to put away each month to hit it.
Net worth
Accounts, investments, and debts in one number you can watch grow.
Bill reminders
Get a heads-up before a bill is due so nothing sneaks up on you.
Ask Penny
Ask questions about your own plan in plain English and get answers from your numbers.
On your phone
Add Fifecta to your Home Screen and it works like an app, alerts included.
Use Claude? You can also connect Fifecta to your AI assistant and ask about your money there.
Pick Your Plan
Monthly
$15 a month
Free for 7 days. Cancel anytime in the app.
Yearly
$150 a year
Free for 7 days, then two months free compared to monthly.
Checkout opens soon. Want help now? Coaching includes Fifecta.
Common questions
No. You can type your income and spending in by hand. If you do connect a bank, it runs through Plaid, and Fifecta can only read your accounts. It can't move money.
Fifecta on its own gives you the money tools. Coaching adds a coach, live sessions, check-ins, and the program on top of the same app. See coaching if you want someone in your corner.
Yes, right in the app under Settings, then Your plan. You keep access until the end of the period you paid for, you won't be charged again, and your plan and history stay saved if you come back. The Fifecta Terms have the details.
Your data is encrypted, other clients can never see it, and we don't sell it or show you ads. Read Security and the Fifecta Privacy Policy.
It's how you naturally handle money. Spenders move money fast, Savers hold on tight, Scramblers juggle, and Strategists have a plan that needs to scale. Each type has a different first fix. Take the free quiz to find yours.
Go to fifecta.pricelesstay.com/Signup and enter the email you bought with. We'll send you a link to set up your account.
