The coach remains the decision-maker

A calmer path from raw inputs to client action.

Nulvify connects four pieces of the work that usually drift apart: intake, payoff calculations, coach judgment, and the ongoing client record.

Become a founding coach View a sample output

The workflow

Four deliberate steps. One approved source of truth.

Each stage has a clear owner and stopping point, so unfinished calculations never quietly become client guidance.

Collect

A focused intake built for planning—not account aggregation.

Debts, balances, rates, and minimum payments
Income, essential spending, reserves, and monthly flexibility
Goals, constraints, and variable-income assumptions

Review

Turn repeatable calculations into scenarios you can inspect and edit.

Compare a working scenario with clear alternatives
See missing inputs, assumption changes, and sustainability warnings
Change the order, monthly amount, or planning notes

Approve

Control the version, language, and actions that reach the client.

Complete a short approval checklist
Add coach context and priority actions
Approve a version only when it is ready for discussion

Track

Carry the plan forward between sessions without copying rows around.

Record progress against clear milestones
Review changes before they alter the client-facing plan
Start the next session with a clean history of what changed

What the calculation does

Make assumptions inspectable.

Nulvify models the debts and monthly payment plan entered into the workspace. It presents a working result and named alternatives so a coach can evaluate tradeoffs with the client.

Every result should be read with its source data, assumptions, version, and educational note.

Example scenario set

Working planWorking draft

$1,365 per monthJun–Nov 2028

Recommended draft

Tight-month guardrail

$1,115 per monthSep 2028–Mar 2029

Lower cash pressure

Extra-income months

$1,665 when availableApr–Sep 2028

Not guaranteed

The approval boundary

A client-facing plan only moves when the coach does.

Nulvify distinguishes a calculation from guidance. The product can assemble a draft; the professional reviews, edits, and approves it.

Calculated draft

Inputs and scenarios assembled

Coach review

Judgment, edits, and explicit approval

Approved version

The version available to the client

Privacy-minded intake

Enough detail to plan. Less unnecessary exposure.

A debt plan needs meaningful financial inputs, but it does not need every identifier a bank would collect. The workflow is designed around planning data and clear exclusions.

Useful planning inputs

Balances, rates, minimums, income assumptions, essential spending, reserves, and goals.

Do not collect

Bank credentials, government IDs, full card numbers, or full financial account numbers.

Read the privacy overview

Founding coach program

Bring one real case. We’ll build the first plan with you.

Founding coaches get an assisted first case, a short pilot, and a direct line into the product decisions that matter in practice.

Apply for the pilot View pricing