Most finance apps show you what already happened. Thryvest tells you what it means. Connect through Plaid and it reads 2 years of real transactions, then scores your position out of 100 across four weighted areas: debt, emergency fund, savings rate and spending. From there it ranks specific moves by impact — what to pay down first, what cash should be earning more, how far you are from a full emergency fund. No budget to build, no categories to tag. Demo mode needs no signup - thryvest.com/demo