Not Financial Advice | StayOnTrack

Not financial advice

Last updated: September 4, 2026

Working draft. This is not legal advice. Have a licensed Florida lawyer review this before taking payment.

Stay on Track™ is a household cash-flow look-ahead planner. It is not financial advice. It is not a forecast you should bet the rent on. And it is not a "promise" in the legal sense.

What the app is doing

You type numbers: checking, paycheck, payday weeks, a grocery / eating-out placeholder, bills, a weekly budget hint, and one goal (loan payoff, savings, or a trip). For a loan goal you may optionally type an APR. The app lays those onto a weekly grid and shows leftover cash after bills.

The product's selling point is a card titled "If you stay on track" and the line "see the promise if you stay on track." Setup ends with a button labeled "See the promise."

That language is a nickname for a projection. In the app itself:

- Leftover cash above your checking cushion is a projection only and does not change your weeks.

- Payoff or "reached" months may be marked (estimated).

- Planned expenses even invite you to overestimate.

None of that is a guarantee that a loan will be paid off, that a trip will fit, or that checking will stay above the cushion.

Your numbers, not ours

Figures, payoff dates, typical payment, optional APR, "keep checking above," and "what you could do if you stay on track" come from user-entered estimates. If a paycheck is late, a bill is wrong, the APR is blank or off, or you spend more than the placeholder, the grid is wrong.

The app does not connect to a bank. It does not know what is really in checking. It only does math on the JSON in this browser (stay-on-track-v1).

What we are not

Stay on Track™ and Nathan Smith are not:

- a bank or credit union

- an investment adviser, broker, or fiduciary

- a CPA, enrolled agent, or tax software

- a lender — this is not an offer of credit

- a credit-repair or debt-settlement service

- a substitute for a lawyer, a planner, or your actual loan documents

Do not treat the app as a recommendation to prepay a loan, skip a bill, drain savings, or book a trip.

No guarantee

We do not warrant that:

- after-bills numbers will match your real checking account

- a goal hits zero in the month shown

- throwing leftovers at a goal will save the months shown

- a trip "still fits"

- a "light week before a heavy payday" warning will stop an overdraft

Life, your lender's actual interest, fees, taxes, and dates the app does not model can change the outcome.

Optional APR

A loan goal may include an optional APR you type. If you leave it blank, the payoff date does not add interest.

If you type one, the app uses simple monthly interest on the remaining balance you entered. That is a guideline projection only. It is not your lender's interest method (many loans compound daily or amortize), not a payoff quote, not an APR we verified, and not a Truth-in-Lending disclosure. Fees, missed payments, and rate changes are not modeled.

Do not treat a "promise" date that used your typed APR as the date the loan will actually be gone.

You decide

You are responsible for the numbers you enter, the payments you make, and the bills you actually owe. If you need advice, talk to a licensed professional who knows your situation. If you are in financial trouble, consider speaking with your lenders or a reputable nonprofit credit counselor.

Using Stay on Track™ does not create an adviser-client, fiduciary, or confidential relationship.

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Questions: hello@stayontrack.io