TrackRight
You have a 401k, a mortgage, and a brokerage account. Can you say which one to prioritize right now?
A personal finance review for high earners who have the accounts but not the framework for deciding what to do with them.
Get Your Full Financial Picture
If the review does not give you a clear priority list for your specific situation, you pay nothing.
YNAB, Betterment, and Empower all assume your financial life fits in one box. Your 401k is in one. Your mortgage is in another. Your life insurance is in a third one nobody is watching. Personal finance apps for high earners are built for one problem at a time: track your budget, manage one investment account, display your net worth. None of them look across all of it and tell you what to do next.
The gap gets expensive when you are in the wrong order of operations. The person who maxes their 401k before paying down a 6.5% mortgage is losing money on the spread. The person who carries $500K in term life insurance on a $900K mortgage has a coverage gap no app has ever flagged. You have opened the accounts. You have set up the contributions. The personal finance review for high earners that synthesizes all of it and produces a ranked priority list has only existed as the first two hours with a fee-only CFP — at $300 to $500 per hour, behind a minimum asset threshold many mid-career earners have not hit yet.
You earn well. You save. There is still a nagging sense that something is misaligned — that you are paying down the wrong thing first, leaving something on the table, or carrying the wrong insurance coverage. You have read the articles. You have gotten three different answers to the 401k-vs-mortgage question depending on which one you found. What you need is the answer for your specific numbers, mortgage rate, income, and timeline, not the rule of thumb that does not account for any of those.
Why a $200K Household Income Does Not Come With a Financial Roadmap
YNAB assumes your problem is spending. Betterment assumes your problem is investing. Empower assumes your problem is not knowing your net worth. None of them assume your problem is synthesis: you have the accounts, you have the income, you do not have anyone who has looked at all of it together and told you what to do.
This is the situation that produces first-generation wealth builders who have done everything right and still feel behind. Who have maxed the 401k because a Reddit post said to, but never ran the math on whether their mortgage rate made that the right call. Who have two term life policies from two different employers that may or may not add up to the right number. Who have a 529 they funded once and have not revisited since.
The financial check-up for professionals that looks at everything together and gives you a verdict does not exist in the app store. It exists in a CFP's office, behind a minimum investment threshold.
Introducing TrackRight
TrackRight runs the financial picture review that apps have never built. Every account you hold, reviewed together, with a plain-language verdict on whether you are on track and a ranked list of what to adjust first. You enter your numbers. TrackRight does the cross-account math. You leave with a priority list specific to your mortgage rate, your 401k balance, your insurance coverage, and your timeline.
What You Get — $97
Full-picture account intake — You enter every account: 401k, IRA, Roth IRA, 529, mortgage balance and rate, brokerage, and life insurance coverage amounts. TrackRight maps the relationships between them so no account is reviewed in isolation.
On-track retirement verdict — Based on your age, income, savings rate, and current balances, TrackRight tells you whether you are on pace for retirement, by how much you are ahead or behind, and what contribution change closes the gap.
Debt vs. invest analysis for your specific numbers — You enter your mortgage rate, your 401k match, and any other debt. TrackRight runs the math and gives you the right order of operations for your situation, not a rule of thumb that does not account for your rate.
Term life gap check — You enter your term life policy amounts and your household's income and debt load. TrackRight tells you whether your coverage is sufficient, where you have a gap, or where you are over-insured.
529 and education savings review — You enter the child's age and your savings target. TrackRight tells you whether your current contribution rate reaches the goal and what monthly adjustment gets you there.
Priority action list — After reviewing all accounts, TrackRight outputs a ranked list of three to five specific actions ordered by financial impact, with a plain-language explanation of the math behind each.
Six-month check-in template — A structured set of questions to revisit in six months so you can measure what changed and re-rank your priorities without restarting the review.
Shareable PDF summary — A one-page overview of your full financial picture and priority list, formatted for a conversation with a spouse, a CPA, or a financial advisor who wants context before your first meeting.
Why $97
A fee-only CFP charges $300 to $500 per hour for the same synthesis. Initial reviews run two to three hours. At $97, TrackRight costs less than a dinner out for a household earning $200K and does the one thing none of the free apps do: it looks at everything together. There is no ongoing subscription, no assets under management fee, no minimum balance to qualify.
Who This Is For
You have a 401k and at least one other financial account — a mortgage, an IRA, a brokerage account, a 529, or a life insurance policy.
You earn enough that budgeting is not the issue. Deciding where the money goes is.
You have never worked with a fee-only financial advisor, or you have been told you do not have enough assets yet.
You grew up in a household where financial decisions were not modeled, and you are making them now without a reference point.
You have Googled the 401k vs. mortgage question and gotten three different answers.
The TrackRight Clarity Guarantee
If you complete the account intake and the review does not produce a clear, ranked priority list with at least three specific actions for your situation, tell us within 14 days and you pay nothing. Full refund, no form required.
In 60 Minutes, You'll Have:
A retirement verdict with a specific yes/no on whether your current savings rate gets you to your target retirement age
A ranked priority list of three to five financial actions ordered by their dollar impact on your household
A plain-language answer to the 401k vs. debt question for your mortgage rate and income
A confirmed insurance coverage number and a flag if your term life has a gap
A 529 contribution adjustment, or a confirmation that you are already on track
A six-month check-in template so your next review takes 20 minutes
A shareable PDF you can hand to a CPA or advisor instead of spending 45 minutes explaining your situation
Frequently Asked Questions
Is TrackRight a substitute for a financial advisor?
TrackRight gives you the cross-account synthesis and priority list that typically comes out of a first CFP meeting. It does not manage your money, provide licensed financial advice, or replace an ongoing advisory relationship. If your situation involves business ownership, estate planning, or significant tax complexity, a fee-only CFP is still the right next step, and the TrackRight PDF gives them the context to start there without a lengthy intake.
How is this different from Empower or Monarch Money?
Empower and Monarch Money track your accounts and show you dashboards. TrackRight does not track anything. You enter a snapshot of your current numbers, and TrackRight runs the cross-account analysis and gives you a priority list. Empower can tell you your net worth is $340,000. TrackRight can tell you whether that number is on track for retirement, whether you should be adding to the brokerage before paying extra on the mortgage, and whether your life insurance covers your actual exposure.
How long does the review take?
The account intake takes 20 to 30 minutes. The review and priority list generate immediately. Most people spend another 20 to 30 minutes reading through the analysis and the PDF. The full process fits in a single evening.
What if I do not have all of these accounts?
Enter what you have. TrackRight reviews the accounts you hold and skips the ones you do not. If you only have a 401k and a mortgage, the review focuses on those two. You do not need every account type to get a useful priority list.
What it is: A one-time financial picture review that looks at every account you hold and tells you, in plain language, what to prioritize first.
What you get: Retirement verdict, debt vs. invest analysis, term life gap check, 529 review, priority action list, six-month check-in template, shareable PDF.
Price: $97 one-time ($147 for a six-month follow-up review).
Catch: You enter your numbers manually. TrackRight does not connect to your accounts.
Guarantee: Clear priority list or full refund within 14 days.
Get Your Full Financial Picture