​Your Personal GPS has saved hundreds of millions of dollars in interest payments. It provides clients with an easy to use online tool to minimize both time and interest paid on all debt. Our solution provides useful information and smart, specific guidance for finding savings opportunities unique to each user. We want to help people understand and do more with their money.

How it works

Take control of your debt.

Get the complete picture.
Your Personal GPS contains algorithms that can target the debt of your choice or calculate the fastest route to zero debt overall through significant savings in interest payments..
Your Personal GPS provides a comprehensive picture of your finances by putting all your balances and transactions in one place. We are connected to most financial institutions with internet banking capabilities, saving you hours of research and data entry.

Maximum Returns,
Minimum Time

We want to help you reach your personal financial goals, whether you want to pay off your mortgage, credit cards or be completely debt free. Your Personal GPS  is there to assist you along the way, and with little change to your current lifestyle.

Your Action Plan

This displays what your typical financial month looks like regarding your current expenses, income, dates and dollar amounts. You can view personalized prompts on smarter ways to use your money.

Emergency Fund

The only guarantee in life is that the unexpected will happen, so this tool is designed to help you build a reserve to meet the cost of any unexpected emergencies.

Strategic Payoff

Your Personal GPS uses complex algorithms to prioritize your debt payments to most efficiently reduce interest payments and create more wealth for you.

Financial Dashboard

This is your personalized, customizable dashboard, displaying information to help you make smarter financial decisions, showing you the number of years to pay off debts, how much in interest is saved, the amount of discretionary income you have available, the true value of your resources and much more.

Notifications

Keep up-to-date on your important financial information. Set up alerts for bills that are due, account security alerts and more.

Turn Debt into Wealth

What would you do if you could build wealth and eliminate debt simultaneously, by putting your money to work for you? Would you take a family vacation? Start a college fund? Invest in real estate?
This service can help you achieve your financial goals through the strategic interest cancellation and wealth-building power of the revolutionary Debt Shredder program.

You can save time and interest on nearly every debt you have. The key is to make your money work smarter, with your existing income. Your Personal GPS  calculates some of the fastest ways to pay off your mortgage and consumer debt, and build a substantial savings nest egg based on your specific income, payments, living expenses and financial goals. You never have to guess which loans to pay off first, when to pay or how much extra to send.

Accumulate Wealth

​Your Personal GPS goes beyond helping individuals and families achieve success paying down debt — it also makes it possible to accumulate wealth targeted to each client's personal financial goals. Simply enter your financial goals, whether it's to pay off a vacation home, fund early retirement or pursue your wildest dream. Enter all the variables: principal, interest rate, term — even cash rewards on credit cards.

Using this information, Money Merge Live calculates how to pay off debt with some of the fastest payoff results imaginable — and build a substantial savings nest egg.