Financial Fitness Passport (FFP) is a financial wellness platform designed to help people understand their entire financial life, identify gaps, and know what deserves their attention next. Instead of focusing on a single financial product or account, FFP brings the major components of financial planning into one experience, including cash flow, emergency savings, debt, insurance, investments, taxes, retirement, estate planning, and financial goals. Users receive a personalized Financial Fitness Score and step-by-step roadmap that turns complex financial decisions into clear, manageable actions. Penny, FFP’s AI-powered financial guide, provides personalized education, analysis, and insights to help users better understand their financial picture and make more informed decisions. FFP combines financial education with gamification, progress tracking, achievements, and rewards to make improving financial health more engaging and measurable. Users can manually manage their information or optionally connect financial accounts through Plaid to reduce manual updating and create a more dynamic view of their finances. FFP was built to address a fundamental gap in financial services: millions of people have financial accounts, products, and information scattered across different institutions but lack a simple way to understand how everything works together. The platform serves consumers directly and can also be deployed through financial institutions, credit unions, employers, advisors, and other organizations seeking to provide scalable financial wellness and engagement solutions. FFP’s mission is simple: help more people see the big picture, understand where they stand, and confidently take the next step toward better financial health.