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101 Financial offers an integrated personal-finance system combining education, coaching, and fintech tools to help users budget, reduce debt, and build credit. Its programs include the 99 Course for budgeting and credit-building and the 101 Course for debt elimination, featuring live coaching and access to the 101 Platform and the 101 Money App along with a personalized financial roadmap. The company provides a free personalized financial report and tools like a Debt Checking Account, calculators, and other resources aimed at accelerating debt payoff and increasing cash flow.
AI named 101 Financial from December 2025 to January 2026.