ProsperOS

The OS for Financial Freedom

Financial command center

Your next 30 days are positive, with credit payments, bill timing, and groceries flagged as the biggest swing factors.

28 risk

Alerts

Alerts off

Phone and browser reminders

Enable notifications so ProsperOS can warn about due dates, changing bills, and cash-flow trouble.

Net income $17,904.60 Monthly household take-home

Known bills $13,920.51 Fixed and recurring costs

Remaining $3,984.09 Before unplanned spending

Budget left $1,428.00 Spent versus plan

Credit target 800 78 points to goal

Upcoming bills

Budget watch

Fuel, daycare, groceries, and other flexible spending lanes show here so the command center can catch overages before they hurt the month.

AI guidance

Risk score

Stable

What the score means Risk combines low cash margin, bill timing, and high-pressure budget categories so you can see when the month needs attention.

Guided start

Build the household picture

Step 1 of 5

Bill linking

Statements, due dates, and payment amounts

1 Connect provider Bank, lender, utility, card, or subscription

2 Pull statement Amount, due date, minimum, balance

3 Watch changes New amount, date shift, autopay risk

Monthly budgets

Spend plans that adjust

Household budget lanes Start with groceries, child support, fuel, subscriptions, dining out, and emergency reserve so ProsperOS can coach tradeoffs before cash gets tight.

Receipt scanner

Upload a receipt, let ProsperOS suggest the spend bucket, then apply it into your monthly budget lanes.

No receipts yet

Savings goals

Build money with a plan

Safe-to-move guidance Connect income, bills, budgets, and bank activity so ProsperOS can tell you what can safely move into savings without hurting upcoming obligations.

Planning

Credit builder

Plan toward an 800 score

722 VantageScore

Goal: 800

Reduce revolving utilization, keep every payment on time, and limit new credit while accounts age.

Score imports

Debt payoff planner

ProsperOS compares minimum payments against extra monthly room so you can cut interest faster without hurting bills.

No debt loaded

AI coach

Financial action plan

Prosper AI reviews income, bills, budgets, savings goals, and credit so you can see the next best move.

Idea board

Account settings

Profile, family settings, and connected accounts

Active account

Profile

Secure

Email Household name Pay frequency Starting checking balance

Notifications

Settings

Browser alerts are available but still turned off. Budget alerts are currently off.

Family plan

Single

Your subscription controls whether this account runs as a single-user or family household. ProsperOS uses that plan to decide how paychecks, bills, and financial alerts are coordinated across members.

Subscription plan Managed by your active ProsperOS subscription. Budgeting mode Bill pay strategy Alert owner

Billing

Not started

ProsperOS uses Stripe for secure subscription billing so single-user and family access are controlled by the live plan, not editable profile settings.

Single user $9.99/mo One user, personal budgets, bills, credit, and AI guidance.

Family / household $14.99/mo Shared household planning, spouse or partner access, and joint cash-flow visibility.

Stripe checkout opens in a secure window. Family access is enabled only after the matching subscription is active.

Household members

Shared plan

Invite a spouse, partner, or co-parent so ProsperOS can plan around shared deposits, recurring bills, and who owns each payroll connection.

Member name Role Email invite Access

Add a spouse, partner, or co-parent to start building a shared household plan. ProsperOS will track active users, pending invites, and planning-only records here.

Payroll and deposits

Prototype

Each household member should eventually be able to sign in to their own payroll provider or connected bank feed so ProsperOS can forecast what can be paid and when.

Payroll provider Owner Next expected deposit Deposit date

Bank sync

Read only

ProsperOS will use Plaid in read-only mode to review transactions, detect subscriptions, forecast deposits, and model what can safely be paid next.

Plaid stays read-only and server-side. Connect a bank to start pulling transactions, recurring spend, and subscription candidates.

Linked accounts

Mobile app

Installable

Install ProsperOS on iPhone or Android for faster receipt capture, alerts, and a more app-like experience.

Use the install flow here until App Store and Google Play listings are live.

Account behavior

Fresh account setup New accounts start blank with no bills, budgets, income, or credit imports.

Enabled

AI helper Prosper Guide changes suggestions based on the active screen.

Prototype

Household cash-flow engine Payroll deposits, bank transactions, and bills should combine into a safe-to-pay calendar.

Roadmap

Future bill linking ProsperOS is being shaped for bill aggregators or vendor APIs, never saved passwords.

Roadmap

Bill sync architecture Provider search, sync events, and due-date snapshots are the path toward live connected bills.

Configurable

Choose which reminders ProsperOS should send as the household plan changes.

Delivery

Browser first

Browser notifications Browser alerts are available but not turned on yet.

Alert phone

Text alerts Save the household phone preference for SMS reminders.

Add a phone number if you want text alerts later. SMS delivery is not live yet, but this is where the household contact preference belongs.

Bill due reminders Warn before bills come due.

Remind me

Bill amount changes Flag when statements or payments shift.

Low cash warnings Warn when the month gets tight.

Budget overrun alerts Warn at 70%, 90%, and over-limit pace.

Goal funding opportunities Suggest when money looks safe to move.

ProsperOS uses these rules to decide which reminders show in the dashboard and local notifications.