Keep more of what you make.
REYES is the private money app for 1099s, creators, and business owners. It preps your taxes to catch every deduction, builds your business credit, and wipes your personal data off broker sites — all in one place.
Free apps show you offers. REYES does the work.
Free, really. No card. No ads. We never sell your data.
Three things no free app does for you.
Not more offers. Not another dashboard. Actual work — done in the background, every week.
Every deduction you're entitled to.
S-Corp salary split, QBI, Augusta, mileage, home office — surfaced with the dollar value up front. No surprise upsells.
Real FICO from all 3 bureaus.
The score lenders actually pull. Disputes drafted for you. Plain next step on every factor.
Off 220+ data-broker sites.
We wipe your name, phone, and address off people-search sites — and keep it off with auto-refile.
Captain's daily briefing
One AI briefing every morning. Two sentences, one action. Catches duplicate subs, rate changes, and deadlines before you do.
Scam Shield
Paste a text, link, photo, QR, or voicemail. Tatay tells you in seconds if it's a scam — and what to do next.
One app that acts for you — instead of showing you offers.
- 1
Connect
Link your accounts securely in minutes.
- 2
REYES works
Finds tax moves ranked by dollar impact, tracks all 3 bureaus + FICO, and removes your data from broker sites.
- 3
You keep more
A bigger estimated refund, a stronger credit file, a smaller digital footprint.
Built for people who actually run money.
If you're 1099, self-employed, a creator, or run an entity, the free apps weren't built for you. REYES is.
Owner-grade taxes
S-Corp salary split, QBI, Augusta, Sec 179, K-1s. Moves ranked by dollar impact. REYES finds the moves and preps your complete filing package.
Business credit, built in
PAYDEX, vendor lines, and funding without a personal guarantee. Flip to Owner mode for the full Signal suite.
One private hub
Credit, taxes, and privacy in one app that acts for you — no ad marketplace selling you to lenders.
- FICO + all 3 bureaus — the score lenders actually pull
- Read-only via Plaid
- No data sales, ever
- Export or delete anytime
- See how →
The real app.
The home screen you'll use every week.
Three pillars
One app, three jobs.
Credit
Raise your real score.
- All 3 bureaus plus FICO.
- Plain next step on every factor.
- Simulator, history, and live alerts.
Not credit repair. Results vary.
Open creditSavings found YTD
$20,530
- S-Corp salary splitCPA review$4,200
- Home office (simplified)Easy$1,580
- Sec 179 vehicle write-offModerate$8,750
- Solo 401(k) deferralEasy$6,000
Taxes
CPA-grade tax tools.
- Every deduction, dollar value up front.
- Moves ranked by dollar impact.
- Hand the package to your CPA.
Not a CPA. Results vary.
Open taxes184 / 220
removedRemovals take 2–6 weeks per broker. Auto-sweep re-files when sites re-list you.
- SpokeoRemoved · Mar 14
- WhitepagesRequested · Mar 22
- BeenVerifiedFound · —
Privacy
Get off data-broker sites.
- Live status across 220+ sites.
- Auto-sweep when sites re-list you.
- Free shows the scan. Plus removes you.
Removals take 2–6 weeks.
Open privacyTax Intelligence
CPA-grade tax tools.
Find money you're owed. Hand the package to your CPA.
1099 / owner income > $60k
S-Corp salary split
$3k–$8k / yr
Pay W-2 + distribution. Cuts self-employment tax.
Pass-through owners
QBI deduction (§199A)
Up to 20% of income
Pure deduction if the math clears. We check it.
Owners with a home + business
Augusta rule (§280A)
$2k–$14k / yr
Rent your home to your business, 14 days tax-free.
Save money
Catch the leaks.
Subscription killer
One tap to cancel.
Bill negotiation
We draft. You keep the savings.
Credit-use guardrail
Alert above 28% of limit.
Rate-drop alerts
Refi when the math wins.
Found money
Unclaimed property, class actions.
Idle cash optimizer
Move 0.01% cash to 4%+.
Property tax appeal
Auto-builds the packet.
Quarterly tax
Auto-calc and reminders.
Autopilot
Runs itself.
Toggle on what you want. We watch the rest.
Tax deadlines
30/14/7/1-day reminders.
Auto-sort transactions
Every charge in the right bucket.
Quarterly tax auto-calc
Recalculates when income lands.
Credit watcher
New negative mark? We draft.
Credit-use guardrail
Alert above 28% of limit.
Subscription killer
One tap to cancel.
Compliance watch
Annual reports, registered agent.
Insurance renewals
No more lapsed policies.
Retirement tracker
Knows the room you have left.
Daily briefing
Overnight wins + two decisions.
Captain Ernie
Your daily briefing.
What we did overnight. The two decisions that matter today.
Meet Captain ErnieThis morning's briefing
- Removed from 2 brokers (Spokeo, Radaris). 34 to go.
- Score +14 on Equifax — Chase utilization dropped from 42% → 18%.
- Found $1,580 home-office deduction in Q2 receipts.
- Q3 estimate due in 9 days — $2,840. Pay now
Meet the crew
Four characters, one mission.
Captain Ernie
Your steady advisor.
Runs your morning briefing.
Tatay
Keeps your house in order.
Flags urgent stuff. Makes you handle it now.
Munny Goblin
The money-finder.
Digs up forgotten subs, refunds, and unclaimed cash.
The Accountant
Keeps your books straight.
Tracks every dollar in and out, and never misses a deduction.
Signal · Owners
Business credit, built in.
Flip to Owner mode for the full Signal suite.
- Build your PAYDEX on a guided 90-day plan
- ChexSystems repair
- Funding without personal guarantee
Trust
Bank-grade. Yours to leave anytime.
Passcode lock
Your money sits behind a code.
Your data, your control
Export or delete in two taps.
No data sales
We earn from offers — never from you.
REYES vs free credit apps
Same checklist. Opposite experience.
| Ad-funded free apps | REYES | |
|---|---|---|
| Ads in the app | Yes — paid by lenders | None. We never sell your data |
| Credit score | 2 bureaus, VantageScore | 3 bureaus + FICO |
| Disputes | One bureau, limited | Unlimited, all bureaus |
| Taxes | Simple W-2 filing | Owner-grade strategy: S-Corp, QBI, K-1s |
| Privacy | Data removal (paid tier) | 220+ sites, live status, auto-refile + $1M ID insurance |
| Built for | Everyone | Owners, creators, the self-employed |
| It… | Shows you offers | Does the work for you |
From early access
People using REYES to keep more of what they make.
Real stories from 1099s, creators, and small-business owners in the beta.
"REYES surfaced $3,180 in write-offs my old software never asked about — home office, mileage, phone, the works. Filing took an afternoon instead of a weekend."
Marisol T.
1099 nurse practitioner · Phoenix, AZ
"My FICO went from 664 to 719 in five months. The disputes were already drafted — I just tapped send. Way better than staring at a VantageScore in a free app full of ads."
Devon R.
Freelance videographer · Atlanta, GA
"I was on 147 broker sites. I could actually watch them drop off week by week. My spam calls basically stopped by month two."
Priya S.
Product designer · Brooklyn, NY
"Captain's morning briefing is the only finance notification I don't swipe away. Two sentences, one action, done. It caught a duplicate subscription in week one."
Jamal W.
Etsy shop owner · Detroit, MI
"Got a sketchy text pretending to be my bank. Pasted it into Scam Shield and Tatay called it in three seconds. My mom uses it now too."
Elena V.
Real estate agent · Miami, FL
"Set up an S-corp salary split with the tax strategy playbook. My CPA said the numbers were already right — saved me about $4,200 this year."
Andre K.
Owner, 2-truck landscaping crew · Charlotte, NC
Early-access users. Names shortened for privacy. Individual results vary — REYES is an organizing tool, not a CPA or credit-repair company.
Simple pricing
Cancel in two taps.
Free
Real tools. Free forever.
Forever
- Full credit score + 3-bureau monitoring & alerts
- Score simulator
- Money tracking (bank-connected)
- Utilization guardrail
- Basic refund estimate
- Privacy exposure scan (view-only)
- 1 dispute letter / month
- Full Offers marketplace
- Daily briefing + Captain (10 questions/day)
No card required
Plus
Credit, taxes, disputes, and privacy in one place — with no ads.
$82.50/yr · billed yearly
- Everything in Free
- Full refund maximizer + W-4 optimizer + filing
- Unlimited dispute letters (all 3 bureaus)
- Full 220+ data-broker removal with auto-refile
- $1M identity-theft insurance (via partner)
- Bill & rent reporting — build credit with payments you already make (via partner)
- Complete Tax Package
- Unlimited Captain (daily briefing)
Cancel in two taps · no calls
No ads. Even on paid. We earn from honest offers — never from selling your data.
Identity-theft insurance is provided and underwritten by a licensed third-party partner. Coverage terms, limits, and eligibility apply.
Credit-building via bill and rent reporting is provided through a third-party reporting partner. Reporting and score impact vary; not all bills or bureaus are eligible.
$99 playbooks. Yours forever.
Not a subscription. Two standalone bundles from Coach P — the money side and the build-your-own-income side. Instant PDF delivery.
REYES · Bundle
One-time · $99
REYES Wealth Bundle
The money playbook of the greats, in Coach P's words.
- The Wealth Operating System
- Invest Like the Greats
- Millionaire Math
- Protect the Empire
Instant PDF delivery · No subscription
REBUILT · Bundle
One-time · $99
REBUILT Mogul Bundle
Comeback income, AI leverage, brand you own, 30-day launch.
- The Comeback Income Playbook
- AI: Your Unfair Advantage (2026)
- Build Your Brand (2026)
- The 30-Day Launch Sprint
Instant PDF delivery · No subscription
