The social network for broke people who are done pretending.
Be broke in public. Get better in private.
Short posts, real tasks, and receipts that prove you are moving.
- Text-first posts without the flex theater.
- AI accountability (Premium) that pushes weekly momentum.
- Progress is tracked, not just promised.
Not financial advice. Not therapy. Definitely not your mom.
Why bankrupt.life exists
Most apps reward flexing. bankrupt.life rewards honesty.
Ignore it, and it gets louder
Ignoring your money situation does not fix it — it just makes it worse with interest, fees, and regret.
Here, you can
Admit you are broke without getting shamed by rich influencers, learn from people who survived the same mess, and take action with real accountability plus AI-guided tasks in Premium.
Choose your mode
Toggle anytime. You are in control. But do not lie to yourself.
Support, structure, and progress — no circus.
- Clear steps
- Calm guidance
- Community feedback
- Private progress tracking
You asked for it.
- Premium AI calls out your patterns
- Friends can tap you back to reality
- Deadlines + consequences (social + system)
- No progress = reminders, nudges, and receipts
What you can do on bankrupt.life
Fast, honest, and built for broke legends who want traction.
Post like it is 2009 (but smarter)
Text-first posts, GIFs in Premium. No heavy uploads. Just the truth and the vibe.
- "I am broke."
- "Here is why."
- "Here is my plan."
- "Hold me to it."
Marketplace for broke legends
Sell what you do not need. Buy what you do. Auctions included.
- Declutter your life
- Raise quick cash
- Score deals without pretending you are "investing"
Show your net worth (or do not)
Link accounts optionally and choose who can see.
- Public (brave)
- Friends only (balanced)
- Private (smart)
AI Advice Tasks (Premium — the part that actually changes you)
We do not just say "save money." We give you tasks like:
- Cancel that useless subscription
- Set a minimum payment plan
- Build a simple budget in 5 minutes
- Sell 3 items this week
- Negotiate bills (yes, really)
Tasks can be verified with proof when you allow it.
Plans
Free for the core community. Premium unlocks AI accountability and GIPHY GIFs.
Free
Stay honest, stay moving, stay connected.
- Text-only posts + community replies
- Marketplace + auctions
- Accountability circles + challenges
- Private, friends, or anonymous posting
Premium
Paid access to AI + GIF power tools.
- AI accountability + AI Advice Tasks
- GIPHY GIF search + posting
- Proof-based task verification
- Priority support + early drops
AI and GIPHY are paid features in Premium.
Community with consequences (the good kind)
This is not "good vibes only." This is truth + momentum.
Accountability circles
Small groups that keep you moving, not drifting.
Progress streaks
Show up daily or lose the streak. Simple rules, real pressure.
Challenges
30 days no impulse buys, debt punch-downs, or rebuild sprints.
Anonymous posting
Tell the truth when you need distance from your name.
Respectful rules
Roast the behavior, not the person.
Receipts, not vibes
Progress is earned. Excuses are not a currency here.
Privacy + trust (because money is sensitive)
You are not the product. Your excuses are.
Net worth linking is optional
Opt in only when it helps you.
You control visibility
Public, friends, or private. Flip it anytime.
Data minimization by design
Text first, GIFs in Premium. No bloated media or noise.
Clear permissions
Revocable access and explicit controls.
Optional verification
Share proof when it helps accountability, never by force.
Security first
Modern protections, no shady data resale.
Ready to stop surviving and start fixing?
You can keep scrolling, or you can join the one place where broke is allowed — and staying broke is challenged.
Not financial advice. Not therapy. Definitely not your mom.
FAQ
Short answers. No fluff.
Is this a bank?
No. It is a community + tools + a Premium AI accountability layer.
Is the AI mean?
Only if you turn on Roasting Mode. Serious Mode stays respectful and structured. AI features are part of Premium.
Do I have to link accounts?
No. Optional. Always.
Can I sell stuff?
Yes. Marketplace + auctions.
Is this financial advice?
No. Educational + motivational tools. For real advice, talk to a professional.