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?
Grab the free 5-Minute Credit & Cash-Flow Audit Checklist — the same first pass the diagnostic runs, as a printable PDF.
Educational self-help software. Not credit repair services, financial advice, or legal advice.