New Growth Investments

Both sides of your money, never blurred.

Duet is the money app that keeps your personal and business life completely separate — budgets, bills, debt payoff, shared households, and an AI advisor. Personal is gold. Business is blue. So your LLC builds its own credit and your personal score never gets dragged in.

Bank-level encryption Bank links by Plaid Always on
Personal
742
TransUnion · 300–850
Good · ▲ 12
Business ▣
78
PAYDEX · 0–100
Strong · ▲ 4
The idea

Your two financial lives, never blurred.

Personal is gold. Business is blue. Duet keeps them apart on purpose — so your LLC builds its own credit and your personal score isn't dragged into it.

● Personal

Your consumer credit — the score lenders pull for a car, a mortgage, a card.

  • VantageScore & the factors moving it
  • Utilization, payment history, inquiries
  • A plan to reach your next tier

▣ Business

Your company's credit — the profile vendors and banks check before they extend terms.

  • PAYDEX & D&B trade lines
  • Which vendors report — and which don't
  • The path to net-60 terms & a credit line
What you get

Everything to build both scores, in one place.

📒

Ledger & budgets

A real running checkbook with per-category budgets, projected balance, and a spending-health read — for each side, on its own.

Both
💳

Debt payoff

Track balances on cards, car notes, and loans — Duet shows what's owed and the month you'll be debt-free.

Both

Sage, your AI advisor

Ask anything. Sage reads your real numbers and hands you specific, dated moves — a pay-day plan, not generic tips.

Live
👫

Shared households

Run money with a partner — see who put in what, send money between you, and keep personal and business unmixed.

Both
🎯

Goals & savings plan

Set goals with deadlines and Duet works out how much to save each month — and splits your leftover across them.

Personal
⚖️

Kept separate

Personal gold, business blue. Duet won't let the two blur — so your company builds its own credit, cleanly.

Both
How it works

Live in three steps.

1

Start your free trial

Thirty seconds to sign up. 15 days free, cancel anytime — your login is encrypted and private.

2

Add accounts or connect your bank

Enter cards and loans by hand, or link your bank through Plaid for live balances on both sides.

3

Let Sage build the plan

Your AI advisor reads it all and hands you the next specific move — then tracks every win.

Meet Sage

An advisor that reads your numbers, not a chatbot that reads a script.

Sage runs on a real model and sees the accounts you've linked. Ask it anything about either side and it answers with specific, dated steps — and tells you exactly what it's reading. It stays in its lane: guidance, never guarantees.

Ask Sage a question
SageLive
How do I get to “Excellent”?
You're 39 points from Excellent (781+). Two levers do most of it: 1) pay the Sapphire under 10% utilization — about $1,560 — and 2) let your two inquiries age past 12 months. Hold 100% on-time and you're tracking to ~788 by December. Reading your linked TransUnion file · not financial advice
Questions

Good to know.

How much is Duet?+

Every plan starts with a 14-day free trial — no charge until it ends, cancel anytime. After that it's $10.99/mo, or save with 6-month ($59.35) or annual ($120.89 — one month free) billing. See pricing.

Does connecting my bank give you my login?+

No. Bank links go through Plaid, the same technology used by major finance apps. Duet never sees or stores your banking username or password — only the balances you approve.

Are live credit scores available yet?+

Bank sync and Sage are live today. Direct credit-score connection is rolling out — until it's on for your account, Duet shows honest empty states instead of made-up numbers, and Sage still advises from the accounts you add.

Can I really track personal and business together?+

That's the whole point. Duet keeps the two sides visually and structurally separate — gold for personal, blue for business — so your company builds its own profile without touching your personal score.

Where does my data live?+

Everything runs securely — your login, your accounts, and the AI advisor. Your password is encrypted and never stored on your device.

Pricing

One price. Both sides. 15 days free.

Every plan is the full app — personal and business, budgets, debt, Sage, and shared households. Start free for 15 days; you're not charged until it ends, and you can cancel anytime.

Monthly
$10.99/mo
Billed every month after your trial.
Start free trial
Best value · 1 month free
Annual
$120.89/yr
Just $10.07/mo — pay for 11, get 12.
Start free trial
Save 10%
6 months
$59.35/6 mo
$9.89/mo, billed twice a year.
Start free trial

Secured by Stripe · cancel anytime before day 15 and you won't be charged a cent. Partners join your household free.

Ready to hear both sides?

Your personal and business credit, finally in one place — with an advisor that knows what to do next.

Start your 14-day free trial