Set up monthly spending budgets to stay on track.

The mental model: budgets are the cap, committed costs sit inside them, actuals tell you whether you're on track. Plus the over-allocation alert that fires when the whole plan can't survive your income.

Create and track financial goals like savings targets.

Track your recurring subscriptions and know exactly what you're paying each month.

Manually track your credit score over time and see trends at a glance.

Manage dependents and plan for education costs with projected fees.

Model how interest rate changes affect your mortgage repayments.

Compare your current mortgage with a new rate and see if refinancing is worth it.

How Frank surfaces money-saving and tax-efficiency opportunities — and how to act on them.