STEMinate Hacks 2026 · Social Good + AI

The financial coach
everyone deserves.

A real financial engine that simulates your debt payoff to the dollar — paired with an AI coach that explains it in plain English. Free, private, instant.

37%Can't cover a $400 emergency
$29BLost to preventable mistakes/yr
1 in 3Adults have no budget
$0Cost to use FinPath
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Enter your budgetIncome, expenses, and any debts. Or load a sample with one click.
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Get an instant planA calculated health score, debt payoff strategy, and savings timeline — in seconds.
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Ask your AI coachFollow-up questions answered in plain English, grounded in your real numbers.
Step 1 · Enter your budgetJust income is required — the rest is optional.
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Monthly Expenses
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Debts (optional)
Your plan appears below in seconds — free, no sign-up.
finpath — ai-coach.md
IDLE
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Enter your budget to begin.
The engine computes; the AI coaches.
[01]
Transparent Health Score
0–100 from a rubric you can audit — not an AI guess.
[02]
Debt Payoff Simulation
Avalanche vs snowball, computed month-by-month.
[03]
Interactive Planner
Drag the payment slider, watch the timeline recompute.
[04]
AI Coaching Narrative
Plain-English guidance grounded in your real numbers.