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HELLO MOLEHILL. MEET WEALTHIEST.

Turn Everyday Purchases Into Debt Payments with the power of Pay-Downs™

The terms "wealthy" and "rich" are often used interchangeably but they can imply different concepts.

Key Differences

Income vs. Net Worth: Richness is often about current income, while wealth encompasses overall net worth and asset accumulation.

Short-Term vs. Long-Term: Richness can be fleeting, whereas wealth tends to imply long-term financial health.

Material vs. Holistic: Richness often focuses on material possessions, whereas wealth includes overall well-being and quality of life.

Sustainability: Wealth is generally more sustainable and can be passed down through generations, whereas being rich might not guarantee future financial stability.

Wealthiest helps you build wealth & get out of debt faster

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Automatically apply spare change to pay down debt faster and build a foundation for future investments

How It Works

Make everyday purchases with your linked debit or credit card

For $3/month, Wealthiest rounds up your total to the nearest dollar and automatically applies the spare change to your debts (student loans, mortgages, etc.) using Pay-Downs™

View all your rounded up transactions and keep track of how many years of interest you've saved

Join Now

Sample Savings Calculator

Between their credit card balances, mortgages, auto loans, home equity lines of credit, and student debt, Americans owe a record $18.2 trillion, according to a new quarterly report on household debt from the Federal Reserve Bank of New York.

$18.2 Trillion

21.37% APR

The average APR for all current credit card accounts in the first quarter of 2025 with APRs for personal loans and new auto loans not far behind at 12.43% and 9%, respectively.

43 Million

Approximately 43 million people in the U.S. have federal student loan debt.

Numbers Don't Lie

INTRODUCING PAY-DOWNS™

A new approach to building wealth and paying off debt faster

Simple, Automated Payments

Automatically apply spare change as extra principal payments. Live your life in the foreground while Pay-Downs™ puts your money to work for you behind the scenes.

Unlike the risk of loss with investing, when you use your spare change to pay off debt, you earn a guaranteed rate of return.

Guaranteed Returns

AI-powered Logic

The most common debt reduction methods include the debt snowball, debt avalanche, and many more. Our AI-powered logic personalizes the best approach for you.

Join The Movement

Submit the form below to join the beta, receive email updates, and get 3 months free starting on launch day!

Launching Soon!

What We Offer

Trusted Recommendations

Educational Resources

Wealthiest Reward Points

Up to $5,000 in Down Payment Reimbursement.

Up to $1,000 in Student Loan Debt Reduction Rewards.

Unlimited cash back with the Wealthiest browser extension.

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