Mentra gives every account three numbers — Zero, Hard Line, and Mentra — so you always know exactly where you stand.
The absolute minimum to keep your account alive. Below this, you're in freefall.
Every bill paid, every obligation met. This is survival with dignity.
Hard Line plus your safety buffer. This is where breathing room begins.
Every account has its own Zero, Hard Line, and Mentra. No more guessing which account can handle which bill.
Mentra detects when one account is over-funded and another is at risk. Calm suggestions, not alarms.
Assets, liabilities, liquidity score, and honest loan payoff estimates — including what your extra payments actually save.
Share any account with your partner or family — read-only or read‑write, account by account. One household, one set of numbers.
“If I spend $300 today…” — see your new balance, your new status, and your breathing room before you spend.
Your three numbers update every day and after every change — bills paid, balances updated, deposits confirmed.