WeLeap
Free · No account · No email wall

Answer one money question in under a minute.

Ten calculators, built for decisions you're actually facing. Nothing to sign up for — use them, get your number, leave.

Listed roughly in the order you’ll need them — offer letter, first paycheck, then everything after.

Offer Letter Analyzer

“Is this offer as good as it sounds?”

Seven numbers hide in an offer letter. See what the package is really worth.

Analyze my offer →

First Paycheck Setup

“What do I type into my benefits forms?”

Upload your offer and benefits guide. Get the exact numbers for the 401(k), HSA and W-4 boxes.

Set up my first paycheck →

First Loan Payment

“What does my student loan do to my paycheck?”

Grace period ending? See the payment, and what actually lands in your account after it.

See what lands →

Money Plan

“How should I split my paycheck?”

Match, safety buffer, debt, retirement — and the single move worth making first.

Build my plan →

Rent Affordability

“Can I actually afford this apartment?”

Turn a salary into a rent range you can live with — after tax, not before.

See what I can afford →

Emergency Fund Target

“How much do I actually need saved?”

Not everyone needs six months. Find the number that fits your situation.

Find my target →

Money Age

“Is my money older than I am?”

One number for where you stand. Four taps, no account, no bank connection.

Find my money age →

Credit Card Payoff

“When will I finally be debt-free?”

Your payoff date, and how much sooner extra payments get you there.

Build my payoff plan →

Buy Now, Pay Later

“Should I use buy now, pay later?”

Cash, pay in 4, or monthly financing — see which one actually leaves you better off.

Find the smarter move →

Monthly Saving Impact

“Is saving a small amount worth it?”

One monthly change, compounded out to 1, 10 and 30 years.

See what it’s worth →

These answer one question. WeLeap answers what to do next.

Connect your accounts and Ribbit looks at the whole picture — cash, debt, 401(k), goals — then shows you the single move that does the most.

Free to start · No card · You approve every move

What is WeLeap?

WeLeap is a personal finance app built around Ribbit, an AI financial sidekick for people in their twenties and early thirties. You connect your accounts through Plaid with read-only access, and Ribbit reads the whole picture — cash, debt, 401(k), goals — then names the single highest-value move to make next. That move is called a Leap. You approve it before anything happens; nothing is automatic and no money moves on its own.

WeLeap is free during early access and needs no card. The ten calculators above are free permanently and need no account at all. WeLeap is not a registered investment adviser, does not provide personalized investment advice, and does not sell your data.

How WeLeap differs from budgeting apps and robo-advisers

  • Budgeting apps

    Mint-style spend trackers, envelope apps

    What it does
    Categorizes money you already spent and shows it back to you
    What it doesn't
    It tells you what happened, not what to do next

  • Robo-advisers

    Automated investing platforms

    What it does
    Manages an investment account for you, for a fee on assets
    What it doesn't
    It only sees the account it manages — not your debt, cash or 401(k)

  • WeLeap

    Ribbit, plus these free calculators

    What it does
    Reads the whole picture and names the single next move, which you approve
    What it doesn't
    It does not move money on its own and it does not manage investments

These tools give estimates to help you think, not financial advice. WeLeap is not a registered investment adviser.