One readiness engine. Any agency workflow.
The Financial Readiness Engine is a private, anonymous financial readiness tool. It plugs into any agency workflow that needs to help a person check what they can realistically afford, before they apply. Same engine, different skin for each agency.
Rural home readiness
A budget check for families thinking about buying, renting, or fixing a home through USDA Rural Development.
Payment plan readiness
An estimate of what monthly IRS installment agreement payment could fit a taxpayer's budget, based on Collection Financial Standards.
Configure your agency
Pick a use case (loan, training, home repair, childcare, utility plan) or write your own. The same engine, tailored to what your agency needs.
Try a sample scenario
Prefilled USDA examples. Change any number after.
The Nguyens, Polk County IA
Two earners, steady jobs, and a budget with room to spare.
James and Dana, Rutherford County TN
A young family whose budget covers the basics with little cushion.
Maria, Coffee County AL
A single parent whose costs are close to her take-home pay.
The Pattersons, Linn County OR
A growing family of five with a budget that covers the basics with a little room.
Mrs. Ellis, Macon County NC
A retired homeowner planning for repairs on a fixed income.
How the plug-in works
- One codebase, per-agency config picks the branding, benchmarks, copy, and AI coach prompt.
- Anonymous by default. Nothing is saved. Nothing leaves the browser except AI coach questions.
- Every screen is composed from the shared Universal Design System, so a new tenant is a config file, not a redesign.