Upward is the financial recovery tool built for commission workers, freelancers, and gig earners. Not another budgeting app that assumes you make the same amount every month.
A great month in sales followed by a slow one. Traditional budgeting breaks when income changes.
No employer health insurance, no 401k match, no paid time off. You're building everything yourself.
Nonprofits, state programs, debt management plans. They exist. Nobody tells you about them.
Enter your debts, interest rates, and minimum payments. Upward organizes it all into one clear picture instead of scattered statements you avoid opening.
Snowball, avalanche, or hybrid. Upward calculates your payoff timeline based on what you actually earn, not what a spreadsheet assumes you should.
Matched to your state, your debt type, and your situation. Free credit counseling, debt management plans, hardship programs, all in one place.
Input your best month, worst month, and typical month. Upward builds a plan that works across all three, so a slow month doesn't derail everything.
Nonprofits, state programs, and debt management plans matched to your zip code and situation. No more googling at 2am.
Compare snowball vs avalanche methods side by side. See exactly when each debt disappears and how much interest you save.
Find affordable health coverage, retirement options, and emergency resources for people without employer benefits.
Watch your total debt shrink over time. Every payment logged, every milestone celebrated. Small wins keep you moving.
Upward exists because financial recovery shouldn't require a financial advisor. Just a clear map and the will to walk it.