Are You Bank-Ready?

A readiness score and a lender-discussion prep sheet, built from your own logged record — take it to the bank conversation prepared.

Before a lender ever sees your file, you can see it the way they would. Bank readiness turns your logged record — income, savings habit, expenses, goal — into a readiness score and a prep sheet.

In the app

1. Open the Journey tab → Bank readiness.
2. Your readiness score is built from your own logged record — the longer your honest streak, the more it says.
3. Lender discussion prep lists what a bank will ask and where you stand on each.
4. Export planning report (PDF) to bring to the conversation.

One honesty note the screen itself makes: this is a planning aid — not pre-approval.

On the web

Ready to go further? The loan application is the formal step — same numbers, real officer.

Ask Ruth

"Am I bank ready?", "what will the bank ask me?", "what's dragging my score?" — Ruth reads the same report.