Debt Optimizer vs Ample

The Solve Finance App is where you can apply for Personal Loans, help build your credit report track record (we offer small Credit Builder loans), and view your credit report to help you better navigate your finances. With no impact to your credit score, you can see amounts, estimated rates, and monthly payments before verifying your income to apply for one of our direct loan programs. Enter your information once and keep up with your progress in the app. Direct Loan programs are offered by Franklin Credit. Any pre-approval for a loan program is based on your credit report and is not a commitment to lend — final terms are determined for completed applications using bank data to give as fair and full underwriting as possible, and try to offer options to as many people as possible. View your credit report and score. Track changes over time, review your accounts and balances on file, and see why your score is what it is and figure out your next move. Pulling your report through the Solve Finance app does not affect your score. HOW IT WORKS Create an account and tell us what you're looking for. View your credit report and see what you pre-qualify for. Complete your application and review rates, terms, fees, and monthly payments. Solve Finance was built by a team with backgrounds in household finance research and software engineering. You choose which products to apply for and when. Download the Solve Finance app to view your credit report and see what you pre-qualify for.

Stop leaving money on the table. Ample tracks your credit card benefits — no bank connection, no logins, no sensitive data. Set reminders before perks expire and see exactly how much value you're getting from every card you carry. TRACK YOUR BENEFITS Add your cards and instantly see every perk — dining credits, travel credits, lounge access, statement credits, streaming subscriptions, and more. Track usage as you go and see exactly what's left in each period, whether it resets monthly, quarterly, semi-annually, annually, or over multiple years. SMART REMINDERS Get notified before benefits reset or expire. Set reminders at the start of the period, midway through, or right before the deadline — so you never miss out on a credit you already paid for. SHOULD YOU KEEP THE CARD? Ample does the math on every card. See whether you're ahead of the annual fee or behind it, with a clear "+$X ahead" verdict that takes the guesswork out of renewal season. Decide which cards earn their keep — and which to cancel. SEE YOUR ROI Know exactly how much of your annual fee you've recovered. Ample tracks your progress across every card and benefit so your money never goes to waste. YOUR DATA, YOUR WAY Everything stays on your device by default. Enable optional cloud backup to sync across devices — your identity stays anonymous, and your data is encrypted in transit and at rest. No account, no email list, just a one-time code to sign in. WORKS EVERYWHERE A native app for iPhone, iPad, and Mac. Add a benefit on your phone and review your cards on your Mac — it all stays in sync. AMPLE PRO Track one card free with all features included. Upgrade once for $4.99 to unlock unlimited cards, cloud backup, and home screen widgets. One-time purchase — no subscriptions, ever. • 24+ supported cards from American Express, Chase, Capital One, Citi, Bank of America, Barclays, Bilt, Wells Fargo, and more • Benefit tracking from monthly to multi-year • Keep-or-cancel decision calculator for every card • Custom benefits for any card or perk we don't cover yet • Export and import your data as JSON backups • Home screen widgets (Pro) • Built by an independent developer. No ads. No data selling.