"We believe every person should achieve their financial goals.
That's why our goal is to help eliminate consumer debt."
To do this we want to create the best personal finance platform for underrepresented communities, that helps both educate and provide tools which empower people not only to pay off debt but also achieve long term goals. By doing so, we create more opportunities and a better future.
Written by our founders
Our story started when both of us had hit rock bottom financially too. One of us struggling with serious student loans, the other homeless and in debt -- without a way out.
We knew millions of other people were struggling the same us. Across the financial industry, we found that there were so many apps focused on building wealth, but we saw virtually no solutions in the industry that helped tackle debt and build healthy financial habits.
Credit card interest costs Americans
$1,300 every year on average
The lack of financial literacy cost
Americans $415 billion in 2020.
Around 40% of Americans have
less than $300 in savings.
Looking back on all the mistakes we made with our money, we wanted to make sure others didn’t fall into the same cycle of debt without a strategy to climb out.
So, we built Qoins to give people like us a starting point for building healthier habits with money.
If you enjoy putting pen to paper, you’ll love the Qoins Debt Snowball Tracker. This awesome download will hold you accountable and help you track progress on your way to $0 balance!
Hitting a savings goals week-in, week-out is a real challenge! Download the Qoins Savings Goal Tracker to keep tabs on your progress, one contribution at a time.
A wise man once said ’It's not what you make but how much you spend’. Download our Budget Template to better understand what you’re making, where you’re spending, and how much is left over.
There’s a reason they call it ‘take-home pay’. Get a handle on every deduction coming out of your paycheck so you can budget accordingly. Our calculator helps you do just that!
Join other Qoins customers who are paying off millions of dollars of debt.Get Qoins