Out From Under Debt App Coming Soon Get on the List Today!
Get on the list today!
Out From Under Debt App
Coming Soon!
Sign up to join our beta app testing now! Limited spots available.
Out From Under Debt App Coming Soon Get on the List Today!
Get on the list today!
Sign up to join our beta app testing now! Limited spots available.
Download the app to participate in the monthly debt payoff giveaway.
Sign up to be the first to learn about our Surprise Debt Reduction Program when the app launches.
No purchase necessary.
4.9 Ratings
OFU Debt helped me break the paycheck-to-paycheck cycle!
Sarah T, App Store
Loved this help thanks Chip!
Lainey Hayre, App Store
We meet you where you are and give your money a simple structure that works for your life right now, so you’re never guessing what comes next.
Safety First
Your information is protected and kept completely private.
Simple Rules
Clear spending lanes, so your money always has a plan.
Always Guided
Support every step of the way. No judgment here!
We organize your money in the order it should actually be used.
01
Recurring Expenses
Your recurring expenses are always covered.
02
Weekly spending
You know exactly what you can spend no math, no stress.
03
Progress on autopilot
Extra cash goes toward debt reduction and long-term wealth.
Our OFU app is coming soon. Get notified the moment it launches. You can set up a smarter flow for your money in minutes.
Say hello to Chip! He offers gentle guidance, clear next steps, and steady encouragement so you can make the best possible decisions.
You don’t need to have it all figured out.
We help you put debt behind you, one step at a time.
Extra support when you need it most. Resources that help you understand how money works and how to make it work better for you.
Real experiences from people paying off debt without the stress.
“As a loan officer, I watched a married couple purchase their dream home thanks to the support of OFU.”
Jim Yarrington
Senior Loan Officer
“Bills are now paid on time, money has started going into savings, and we have started planning for our boys' futures.”
Desi Skaggs
Mother of Two
“I started using Michelle’s system with my wife and within a month we cut our monthly spending by $1,000. Now we are on top of our budget.”
Daniel Katcher
CEO Rocket Farm Studios
OFU is a system that helps you organize your finances so the right things happen first.
Most budgeting apps focus on tracking spending. They ask you to categorize transactions, set spending limits, and constantly monitor your budget. For many people, that becomes overwhelming and hard to maintain.
OFU takes a different approach. Instead of tracking every dollar, it looks at how money flows through your accounts and helps put things in the right order, covering essential needs, reducing debt, and building stability over time.
The goal is to create a structure where your money naturally moves you forward.
Chip is your AI guide inside OFU, part helpful financial guide, part very good boy.
He was built by CERTIFIED FINANCIAL PLANNERS™ to turn real financial planning strategies into something simple and easy to follow. Chip walks you through each step, helps keep things in the right order, and makes the journey feel a little lighter along the way.
OFU looks at your income, spending, and debts, then helps organize everything in the right order so you can make steady progress.
That's the goal! While every situation is different, many people have discovered that OFU's structure helps them make steady progress and pay down debt more efficiently.
Yes. OFU takes security seriously.
When you connect your accounts, they are linked through Plaid, a secure service used by many financial apps and banks. Your bank login credentials are never seen or stored by OFU.
The connection is read-only, which means OFU can see balances and transactions but cannot ever move money or make changes to your accounts.
Adaptive Planning
Money plans should adapt as life changes.
Supported Progress
Progress should feel supported, not stressful.
Sustainable Freedom
And getting out of debt shouldn’t mean giving everything up.
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No purchase necessary. Joining the list makes you eligible for launch updates and surprise debt relief notifications.