MyDebtLens — Setup

Profile Setup

Let's build your starting picture.

Complete your profile to unlock your full analysis.

No bank connection is required. Enter only the planning numbers you choose to provide; the first setup is designed to take about 5–10 minutes when balances, APRs, payments, and due dates are handy.

Basic profileRequired

First name

Last name

ZIP code

State

Auto-filled from ZIP lookup. Change the ZIP code if this is not right.

Monthly household take-home income ($)

After-tax household income usually available each month.

Current Emergency Fund Balance ($)

Cash or savings currently set aside for emergencies.

Target Emergency Fund ($)

Emergency savings goal for this household profile.

Household profile

Adults in household

Children in household

Monthly expenses

Fixed monthly bills

These usually have a predictable monthly amount and may later receive due-day reminders.

Rent / Housing ($)

You have a mortgage listed. Set rent to $0 if the mortgage is your main housing cost. Keep rent here only if you also pay separate rent or housing costs.

Utilities ($)

Phone ($)

Internet ($)

Cable / streaming ($)

Insurance premiums ($)

Car insurance ($)

Fixed medical ($)

Flexible / variable spending

These amounts may move around month to month, but they help explain how much room is left for debt payoff.

Food / Groceries ($)

Gas / transportation ($)

Entertainment / casual spending ($)

Medical / pharmacy ($)

Childcare / school / pets ($)

Irregular pet costs ($)

Other monthly expenses ($)

Placeholder note: due-day controls for fixed bills and richer local benchmark explanations will be refined in a later setup/calendar pass. These category amounts are saved now when the backend supports them.

Additional expenses

Use this for household costs that do not fit the standard fields above.

No additional expense lines yet.

Your debts

Loading saved debts…

Credit profile(optional)

FICO / credit score

Score source / date

Total revolving credit limit ($)

Calendar & reminder preferences

Reminder type

Send reminders

Account security Email & passkeys

Use this section to manage sign-in details. Email changes require recent confirmation, then verification of the new address. When SMTP email is enabled, the verification code is sent to the new inbox; test environments can still use a simulated code.

Account email

Current email: Loading…

New email address

Current password fallback

Password

Change your password here if you know the current one. If you forget it later, use the reset link on the sign-in page. Passwords cannot be retrieved because they are stored as one-way hashes.

Current password

New password

Confirm new password

Reset Password

Passkeys

Add a passkey so you can sign in with your device unlock method, without typing your email or password. Keep your password available as a backup while passkeys are in early rollout.

Loading passkeys…

No data yet