Eliminate Commercial Debt & Unlock Monthly Working Capital
Engineered for Bootstrapped Founders, Solopreneurs, Bookkeepers, and Financial Coaches. Model 0% business credit card stacks, SBA microloans, and equipment leases with true IRC § 163 after-tax interest math—100% private with zero Plaid connections and zero bank logins.
Why Consumer Budgeting Spreadsheets Fail Business Owners
Personal budgeting tools treat all debt identically. LEVEL Pro models commercial tax shields, working-capital velocity, and multi-client workflows designed for business operators and financial advisors.
IRC § 163 After-Tax APR Engine
Business interest is tax-deductible; consumer interest is not. LEVEL automatically applies your entity marginal tax bracket to calculate true After-Tax Cost of Capital—preventing you from overpaying a deductible business credit line before a more expensive personal card.
Cash-Flow Velocity (Runway Freed)
Our Cash-Flow Index (CFI) engine ranks debts by how few dollars it takes to permanently eliminate $1/month in fixed monthly overhead. Free up $400 to $1,200/month in mandatory cash drain to extend business runway.
0% Promo Cliff Guard
Juggling 0% intro business credit cards? LEVEL monitors promotional expiration dates and automatically calculates the exact monthly sinking payment required 90 days before expiration to avoid a 28% retroactive APR spike.
Multi-Client Workspaces (10 Active Slots)
Financial coaches, CPAs, and multi-entity founders can maintain up to 10 active cloud portfolios with instantaneous in-memory switching, plus unlimited local .level.json archive backups for completed client engagements.
White-Label Client PDF Blueprints
Deliver institutional-grade debt elimination and cash-flow roadmaps branded with your advisory firm name ("Prepared by [Your Firm] for [Client Entity]") ready to present in client strategy reviews.
Zero-Bank-Sync Privacy Guarantee
Business clients refuse to hand over commercial banking credentials to third-party aggregators like Plaid. LEVEL requires only balance, APR, and minimum payment—protecting your clients and liability completely.
Simple, Predictable Pricing for Operators & Advisors
Start in the free sandbox, or upgrade to LEVEL Pro for complete commercial tax math, multi-client workspaces, and white-label PDF generation.
Individual Free
Basic single-portfolio calculator for consumers and individuals testing their payoff timeline.
- Up to 3 tracked debt accounts
- Debt Snowball strategy engine
- Single personal portfolio
- 100% Zero-Bank-Sync privacy
LEVEL Pro Commercial
Complete commercial debt optimization for bootstrapped founders, solopreneurs, and financial advisors.
- Unlimited debt accounts
- 10 Active Cloud Workspaces (Entities / Clients)
- Unlimited local
.level.jsonclient file archives - IRC § 163 After-Tax APR & Tax-Shield math
- Velocity (Working Capital Freed) & Blitz engines
- 0% Promo Cliff Guard & Sinking Payment Radar
- White-Label Advisor PDF Blueprint generator
Frequently Asked Questions
How does the IRC § 163 After-Tax APR calculation work?
When a loan is designated as a tax-deductible business liability, LEVEL multiplies its nominal APR by (1 - Marginal Tax Rate). For an LLC in a 25% tax bracket, a 24% business credit card has an effective after-tax cost of 18.0%. LEVEL uses this true cost of capital when sequencing payments.
Why is there a 10 active portfolio cap on cloud storage?
Capping active cloud workspaces at 10 slots ensures zero-latency in-memory switching without incurring database bloat. For advisors with more than 10 clients, our 1-click .level.json archive export lets you save unlimited completed client files to your local drive and re-import them anytime.
Can financial advisors white-label the PDF blueprints?
Yes. Pro subscribers can set their firm or practice name in the Portfolio Settings drawer. Every exported 12-Month Construction Roadmap PDF automatically displays your firm branding in the executive header.
Does LEVEL connect to client bank accounts?
Never. LEVEL is 100% privacy-first and requires only balance, APR, and required minimum payment per liability. You and your clients never have to share online banking credentials or authenticate with data scrapers.