Turn your spending decisions
into power — for you and your
community.
Free and affordable tools that help you spot predatory lending, measure your budget health, and track your spending impact — while powering the data that drives change.
No ads. No selling your data. Your responses are anonymized and rolled up into the Black Dollar Index so we can push for fairer products, policies, and practices.
Every tool moves you — and the data — forward.
Each tool serves a dual purpose: give you clear, actionable insight and feed anonymized signals into the Black Dollar Index so we can document patterns, push for change, and design better products with partners.
Budget Health Calculator
FreemiumSee where your money is actually going, get a Budget Health Score, and spot pressure points before they become crises.
- 100-point Budget Health Score
- Snapshot against a 50/30/20 benchmark
- Plain-language guidance by category
- Premium: radar chart view & smart recs
Loan Fairness Audit
FreemiumCompare your loan terms to live market data and flag when something looks predatory or out of range for your profile.
- Live FRED API comparison to market rates
- Loan Fairness Grade
- Predatory lending signal alerts
- Premium: downloadable PDF report
Cost of Loyalty Calculator
PremiumQuantify what it's really costing you to stay loyal to your current brands. Measure your Equity Footprint now.
- Your personal Equity Footprint
- Estimated dollars you could redirect
- Which categories help or hurt your alignment
- Where to switch first for more impact
- Corporate and Black-owned alternatives
Black Equity Scorecards
FreeResearch 100+ companies on leadership, culture & policy, supplier diversity, and community investment before you spend, work, or invest there.
- Workforce & leadership representation (EEO-1)
- Supplier diversity & Black-owned spend indicators
- Community and philanthropic commitments
- Searchable database with BDI Overall Score
Black Franchise Index
FreeDiscover Black-owned corporate franchises across automotive, restaurants, tax services, real estate, and more. Add your franchise to our directory.
- Searchable directory of Black-owned locations
- Filters by category and geography
- Add a Black-owned franchise
Economic Prosperity Assessment
FreeA comprehensive financial health assessment that connects you to resources, advocacy, and partners aligned with the Prosperity Resolution.
- Holistic snapshot across income, debt, housing & care
- Curated resources and nonprofit partners
- Signals that feed into our policy & advocacy agenda
- Optional follow-up from coalition organizations
Every click helps map where the system is breaking.
When you use a BDI tool, your anonymized data becomes part of a bigger picture. We look at patterns across incomes, ZIP codes, and products to identify structural barriers — housing that's out of reach, loans that are consistently overpriced, jobs that don't match the marketing. We don't sell your data. We use it to build evidence and push for policy, product, and capital shifts that close gaps.
Learn about the Black Dollar Initiative →