ProsperOS
Dashboard
Household snapshot
Your money at a glance
ProsperOS keeps the top line simple here: what cash is available, what bills are due soon, and whether the month is getting tight.
28
score
Due soon
Alerts offProsperOS surfaces the next few due dates and cash-flow flags here so you can act before the month gets noisy.
Due soon
Paycheck plan
By paycheckProsperOS groups upcoming bills under the paycheck that should cover them so weekly planning is easier to scan.
Paid this month
0 loggedRecent payments land here so you can quickly see what already cleared this month.
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
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.
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.
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
Profile
SecureManual paycheck planning
FallbackUse this when payroll sync is not connected yet. ProsperOS will use your next payday plus pay frequency to keep paycheck planning active.
Other income
HouseholdTrack income outside payroll like rental property cash flow, TANF, support, or side income so ProsperOS budgets against the full household picture.
Notifications
SettingsBrowser alerts are available but still turned off. Budget alerts are currently off.
Family plan
SingleYour 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.
Billing
Not startedProsperOS uses Stripe for secure subscription billing so single-user and family access are controlled by the live plan, not editable profile settings.
Stripe checkout opens in a secure window. Family access is enabled only after the matching subscription is active.
Household members
Shared planInvite a spouse, partner, or co-parent so ProsperOS can plan around shared deposits, recurring bills, and who owns each payroll connection.
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
PrototypeEach 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.
Bank sync
Read onlyProsperOS 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
InstallableInstall 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.
Next
Alert rules
ConfigurableChoose which reminders ProsperOS should send as the household plan changes.
Delivery
Browser first
Browser notifications
Browser alerts are available but not turned on yet.
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.
ProsperOS uses these rules to decide which reminders show in the dashboard and local notifications.
Security
Two-step verification
Not enabledAdd an authenticator app to protect ProsperOS before linking providers or bank accounts.
2-step protection
Turn this on to require an authenticator code after your password.