Paracletelife.co

Your money, finally shown the way an advisor sees it.

Most budgeting apps hand you a prettier chart of where you have been. paracletelife.io shows you where you are going — your real net worth, your debt-free date, and the odds your retirement actually lasts.

Built by a fiduciary · Not a growth team

Start Free — Code FREE30

Why it exists

The tool and the practice come from the same place.

Paraclete Life Planning is a fiduciary advisory practice — the kind that sits on the same side of the table as you. paracletelife.io is a DIY version of that process: built on the same instruments the firm uses to read a household’s finances, put in the hands of anyone who would rather run their own plan.

The Etsy-bought spreadsheets. The Excel templates that lock you inside somebody else’s structure. The days lost to a broken equation you cannot find, let alone fix. Every budgeting program in the app store that tracks what you already spent. All of it is a thing of the past.

Here is what most money apps get wrong. They are built to be effortless, and that is exactly why they do not work. Passive tracking asks nothing of you, so nothing changes — you end up with a prettier record of the same decisions. This one asks for a few minutes a day on purpose. The effort is not a flaw in the design, it is the mechanism. And the people willing to put that effort in should not be the ones paying the most to try. They should pay the least.

Advisers are not mandatory.
The proper tools are.

What is inside

Six groups. This one is where it started.

Where it started

Watch it grow.

The chart that pushed this project forward. Your net worth, plotted like a stock you own — green candles on the weeks you climb, the trend pulling upward as the habit compounds. It builds itself as you log, so by the end of your first month you are not staring at a demo. You are watching your own trajectory take shape.

See where you stand

A five-minute daily check-in, and a dashboard that reads like a cockpit: net worth, cash flow, a health score, a five-dimension radar, and a money-flow map tracing every dollar from income to rest. Five minutes because the entering is the point — you cannot notice what you never look at. Your whole picture on one screen, no spreadsheet required.

Pressure-test your retirement

Retirement, answered honestly. A projection that runs thousands of scenarios and shows the odds your money lasts — not one rosy line. A de-risking glide path for the years before you retire, and a tax-aware drawdown that spends it down without handing the IRS more than you owe.

Make the big calls

Can we afford this house? Which debt dies first? A purchase planner stress-tests a major buy against your real numbers before you commit. A payoff engine pits snowball, avalanche, and even-payment side by side and hands you a month-by-month plan. Plus envelope buckets with a live safe-to-spend number.

Build the habit

Money changes when the habit does. Streaks, milestones, and a momentum system reward showing up — not spending more. A Make · Keep · Spend framework that celebrates what you keep, and goals you can watch move.

Learn as you go

Plain-language insight when your numbers shift, CSV import so you are not typing history by hand, and LifePath — a financial-life simulator that teaches what school skipped. Realism over easy-mode, because preparation is the lesson.

—

And an adviser, if you ever want one

Everything above works with nobody sitting next to you. But the firm that built it is right here, and the day you want a seasoned planner in it with you, you are not starting from scratch. You already know your own numbers.

This is going to
annoy you at first.

Every other money app is racing to remove friction. We put some back on purpose. Logging your numbers takes a few minutes a day and in week one it will feel like a chore — that is the design working, not failing.

Because here is what happens by week six. You have looked at your own money enough times that you start seeing a purchase before you make it. The friction moves out of the app and into the decision, which is exactly where it belongs. Wasteful spending gets easier to pass up, not because an app scolded you, but because you already knew what it cost you.

Why it is different

Five things a competitor’s page cannot honestly say.

Built by a fiduciary, not a growth team

Every number on the screen was chosen by an adviser who knows which ones decide your future — and who is on your side of the table, not selling you a product on the way through.

Honest by design

Real odds and ranges, never a single hopeful line. No dark patterns, no buried cancel — walk away in two clicks.

The habit is what lowers your price

Your price is not a number we picked. You set it with your own usage, and it can only ever go down. The people most serious about changing their finances end up paying the least — the section below shows exactly how.

Minimal by design, not by accident

Every other platform in this category sells you on integrations. Link your bank, link your cards, link your brokerage. We chose the opposite, on purpose: no institution login, no read access to your transactions, no standing connection to your money. We never ask your name, your address, or your phone number either. What we keep is the entries you type, stored so your laptop and your phone show the same picture, and the email you sign in with. That trade costs you a few minutes of typing and leaves figures with no named person attached to them.

The DIY front door to a real practice

Do it yourself here. And the day you want a seasoned planner in it with you, Paraclete Life Planning is right there — that is clarity, not falling short.

How it starts

Free, and not the kind of free that runs out before you learn anything.

FREE30

Use this code at signup

Thirty days, everything unlocked, no card.

Most apps give you fourteen days and hope you forget. We give thirty on purpose, because the value shows up over weeks, not minutes.

When it is up, keep a genuinely useful free tier for good — or hold onto the premium tools at a rate you earned.

Start Free

Start: 30 days free
Keep the core: Free, for good
Premium, annual: ~~$149~~earned down
Premium, monthly: $15.99

$149 is a real going-forward price, not a former price. What you actually pay is the rate you earn — see below.

The Earned Rate

Every other subscription charges you the same whether you use it or not. This one does not.

01 · You set it

Your first thirty days decide your price

The more you make the Studio part of your week during the free month, the lower the annual rate you lock. Show up often and you pay a fraction of the anchor. Barely show up and you pay closer to it.

02 · It only improves

Every renewal is another chance to lower it

Use it more this year than last and your rate can drop again at renewal. It never moves the other way. A bad quarter cannot raise your price, and neither can we.

03 · It is earned, not owned

Cancel and you start over

If you leave, the rate does not wait for you. Come back and you earn it again from the standard price. That is what keeps it meaningful for the people who stayed.

The harder you work at this, the less it costs you.
That is the entire mechanic.

The anchor price is real and going-forward. The earned rate is the discount you build off it, and no rate ever increases while your subscription is continuous.

Do it yourself.
Not by yourself.

Most people who find this page are not looking to hire anyone yet. That is fine, and it is not a lesser outcome. Run your own plan for as long as you want. If the questions ever get bigger than the software — taxes, insurance, an investment decision with real money on it — the practice that built the platform is one click away.

See how planning works

Questions people ask

The ones that come up before someone signs up.

Do I have to become a client to use it?

No. The platform is open to anyone. You can use it for years without ever speaking to me, and that is a completely acceptable outcome.

What happens when the thirty days end?

Nothing gets charged, because we never took a card. The core stays free for good. If you want to keep the premium tools you choose to — at the rate you earned during the month.

Is this investment advice?

No. It is software — it tracks your numbers and helps you learn from them. It is not investment, tax, or legal advice, and the projections show probabilities and ranges rather than a promised outcome. Advice is what the advisory practice is for.

What happens to my data?

Your entries are stored on our server, tied to an account ID, because that is what lets you pick up on your phone where you left off on your laptop. What is not stored is your name, your address, your phone number, or any connection to your bank — we never ask for them. The only identifying thing on file is the email you sign in with, and your password is kept hashed rather than in readable form. Your numbers are never sold or shared.

What if I clear my browser or switch phones?

Nothing is lost. Your data lives on our server tied to your account, not in your browser — sign back in on any device and it is all there. One honest note: it syncs when the app loads rather than instantly. If you have it open on a phone and a laptop at the same moment, the second one catches up on its next refresh.

Do I have to connect my bank?

No, and you cannot — that is a deliberate choice, not a missing feature. The rest of this category competes on integrations, and every one of those links is a set of credentials and a permanent doorway to your money that somebody has to store and defend forever. We went the other way and made security the selection criteria instead. You enter your numbers or import a CSV. It is more effort on your end, and that effort is exactly what means there is no doorway to your accounts sitting on our side. Advisory clients of the firm have a separate, disclosed aggregation process — that lives inside a signed engagement where the relationship and the disclosures are already in place, not inside this software.

What if I want to cancel?

Two clicks. No retention gauntlet, no phone call, no buried link. If it has not earned a place in your week, it should be easy to leave.

Why build this instead of licensing one?

Because the licensed platforms are built to be sold to advisers, not used by families. I wanted the tool my clients actually needed, so I built it.

A blueprint does not build itself.

Thirty days, everything unlocked, no card. Start with the chart and watch it fill in.

Start Free — Code FREE30

paracletelife.io is a product of Paraclete Life Planning LLC. Software, not advice.

Work with us

The Paraclete Studio

The firm

Registered adviser

Paraclete Life Planning LLC
Pensacola, Florida

Firm CRD #325341

John C. Hendry III · IAR CRD #7699097

Verify us at adviserinfo.sec.gov

Paraclete Life Planning LLC is a registered investment adviser. Nothing on this site is individualized investment, tax, or legal advice. The Paraclete Studio is software, not advice, and using it does not create an advisory relationship. Investing involves risk, including the possible loss of principal.