The Prosperity Software Bundle
Three tools for taking control of your finances — built by the same team that walks clients through this every day.
Diagnostic + planner + scripts. Yours forever, no subscription.
Sound familiar?
Your credit report reads like a foreign language, and the bureaus count on that.
Minimum payments keep you current and going nowhere.
Calling a creditor feels like walking in unarmed.
See the actual tool, right now
This is the real report engine running on sample data — not a screenshot. Click around.
Demo numbers shown (sample data, no real user information). Your report uses your real inputs — same engine, same output.
This isn't a PDF
It's a live dashboard that tracks your disputes, recalculates your payoff plan when life changes, and shows you what your debt costs per day.
What-if payoff sliders
Move an extra-payment slider and watch your payoff date and total interest recalculate live.
Daily interest clock
See what your debt costs you per day — the number minimum-payment statements hide.
30-day FCRA countdown
A dispute tracker with the statutory 30-day investigation clock on every letter you send.
Bureau report upload & compare
Upload a fresh credit report and see exactly which items changed.
Response analyzer
Bureau replied? Paste their response — the AI reads it and drafts your next letter.
30-day re-diagnostics
Re-run your numbers monthly as life changes — the plan updates with you.
Personal 1-on-1 agenda
Every diagnostic ends with a session agenda for a strategy call with Mike.
Ready-to-mail dispute letters
Letters formatted to send by certified mail, per bureau, per item — you review, print, and mail.
Live demo report
Don't take our word for it — open the actual tool right now on sample data. Same engine, same output you'll get.
Bring Your Own AI: Zero Server Retention
Works out of the box, zero setup. And for the privacy-maximalist: the bundle is built on a Bring-Your-Own-Model (BYOM) architecture — plug in your own private API key (OpenAI, Claude, DeepSeek) or a 100% free, fully local offline model running on your own machine (Ollama). A 2-minute click-by-click walkthrough is included.
What you get
Three tools. One price. Honest arithmetic.
AI Financial Diagnostic & Dispute Assistant
AI-powered analysisAnalyzes your full financial picture, compares payoff strategies, and drafts credit-report dispute letters — so one waived late fee could pay for the whole bundle.
Breathe-Easier Budget Planner
Stress-first budgetingA budget built around reducing monthly stress — not just tracking numbers. Know exactly what to cut without gutting your life.
Creditor Negotiation Scripts
Word-for-word playsScripts for negotiating collections, settlements, and payoffs. What to say, when to say it, and what never to admit.
THE FULL STACK — SOLD TOGETHER
Yours forever · Free updates for life · No subscription
How it works
Pay $27 once via Stripe.
Check your email and click your personal sign-in link — no password, no setup. The diagnostic works out of the box.
Run your diagnostic, track your 30-day FCRA disputes, and download ready-to-mail letters. Want maximum privacy? Connect your own AI in Settings — a 2-minute click-by-click walkthrough is included, zero tech skills needed.
Every diagnostic ends with a personalized agenda for a 1-on-1 strategy session with Mike — so if you decide you want expert help, you'll know exactly what you'd work on before you spend a dollar on it.
Compare your options
DIY SPREADSHEETS
Free
Full control, but no dispute engine, no tracking, no AI analysis. You're the engine.
CREDIT REPAIR COMPANIES
$79–$139/mo
Hands-off, but they control the process — month after month, for as long as it takes.
PROSPERITY BUNDLE
$27 once
You control everything. The AI does the heavy lifting. Pay once, use forever.
Refer & Earn — $25 cash per strategy session
Every bundle buyer gets a personal referral link. When a friend books a 1-on-1 strategy session ($150), you receive $25 cash. No caps.
All sales are final.
Because you get instant access to proprietary tools, letter frameworks, and calculation logic, we don't offer refunds — which is exactly why we show you everything on this page before you pay. Want to preview the methodology first? Grab the free 5-Minute Audit Checklist below — no purchase needed. Questions? Email info@prosperityplanningllc.net — a human answers.
Questions people actually ask
Ready when you are.
Diagnostic + planner + scripts — $27 once, yours forever.
Get the bundle — $27After checkout, check your email for your personal sign-in link.
Not ready yet?
Run the free 5-Minute Credit & Cash-Flow Audit right now — the same first pass the diagnostic runs. No email required, printable.
Open the free checklistWant it in your inbox? Enter your email and we'll send the link (plus nothing else).
Educational self-help software. Not credit repair services, financial advice, or legal advice.