End the yearly bailout.
The Off-Ramp is an AI financial co-pilot for young adults, paid for by parents. It tracks spending by text, coaches in the moment, and only pings you when a real emergency bill needs approval - so independence builds while your hand leaves your wallet.
Emergency invoice submitted
Hydro disconnect notice
One tap, no 9pm phone call
74
This week's score
Sent to you every Sunday. No micromanaging.
THE PRODUCT, AS YOUR FAMILY SEES IT
THE PROBLEM
Your wallet is funding their adulthood.
Groceries, rent, the ambulance that was "too expensive to argue about". The support is loving. The pattern is expensive - and it can quietly run for decades.
Emergency bailouts, top-ups, and subsidies
$6,151
per parent, per year, on average
With The Off-Ramp
$240
per year, Founding Parent Plan
Invest $24 a month to eliminate about $6,000 a year in emergency bailouts - and let your child build the skills to stay independent for good.
WHAT IT DOES
Four things that quietly end the leak.
Each feature pushes a little more independence onto your adult kid and a little less stress onto you.
Receipt-to-Reality SMS Engine
Kids text a photo of a receipt or bill. The AI parses it, tracks it, and coaches them in the moment - no clunky budgeting app to open. It meets them where they already live: their texts.
Smart Grocery & Meal Optimizer
When funds are tight, the AI builds a budget-friendly grocery plan around real flyer deals at Walmart, Superstore, and Sobeys, then texts it over. Savings land on the receipt, not a lecture.
The 'Bank of Mom & Dad' Gatekeeper
When a genuine emergency bill hits, your adult submits the invoice to the AI. You get a clean, one-tap approval summary with verified documents - instead of a panicked call at 9pm.
Weekly Parent Independence Score
Every Sunday you get a short progress digest: savings rate, budget discipline, and spending maturity. Calm, high-level, and designed to end the micromanagement.
RUN YOUR OWN NUMBERS
What does a year without bailouts cost you?
Your annual savings
$5,911
~96% less
$20/mo billed yearly
FOUNDING PARENT PLAN
One plan. Two people finally out of the cycle.
A fraction of one bailout, for a year of the habits that prevent the next one.
Family Plan
Two months free vs monthly
- Receipt-to-Reality SMS engine
- Smart Grocery & Meal Optimizer
- Bank of Mom & Dad gatekeeper approvals
- Weekly Parent Independence Score
- Separate parent and young adult accounts
Founding Cohort
Founding rate locked for life
- Receipt-to-Reality SMS engine
- Smart Grocery & Meal Optimizer
- Bank of Mom & Dad gatekeeper approvals
- Weekly Parent Independence Score
- Separate parent and young adult accounts
- Founding rate locked for life
14-day family trial on every plan. No card required to start. Cancel anytime - you only pay when The Off-Ramp is clearly paying for itself.
QUESTIONS
Everything parents ask us.
Parents aged roughly 45 - 65 who are quietly subsidizing an adult child, and that young adult themselves. One subscription covers both the parent and the child.
TAKE THE OFF-RAMP
Start your 14-day family trial.
Join the founding cohort at $240/year, locked for life. Drop your email and we'll send your trial invite.
14-DAY TRIAL · NO CARD REQUIRED · CANCEL ANYTIME