Features
One budget, asked four questions
Everything here comes from the numbers you type once. There is no import to reconcile and no bank connection to approve.
What a normal month looks like
What a normal month looks like. One number leads — what is left over — then the allocation by group, the caps you set, and how this month drains day by day.
- Leads with
- What is left over, once everything is allocated
- Then
- Committed share, savings rate, and the heavy month
- And
- How the current month drains, day by day
Left over each month
$441
- A normal month
- $5,410
- Planned out
- −$4,969
Committed
53%
Rent, bills and debt as a share of a normal month.
Saving
12%
$625 a month, transferred not spent.
November — the heavy month
$5,651
$936 more than February, because the bursts land here.
Enter a cost the way it is charged
The editor. Income sources with a frequency and a next date, groups by kind, and the line items inside them. Enter a cost the way it is charged; it is levelled for you.
The example budget carries 26 line items across 7 groups — fixed, flexible, debt and savings — and every one of them keeps the date it actually lands on.
Six cadences, none of them averaged away
- Weekly
- Groceries, fuel — levelled at 52 over 12
- Biweekly
- The way you are paid, not the way it averages
- Monthly
- With the day of the month it lands on
- Quarterly
- Anchored to the month it starts in
- Semiannual
- Car insurance, twice a year, on its months
- Yearly
- Registrations and renewals, on their month
A normal month, by group
Cost by month, next twelve
- Jan
- Feb
- Mar
- Apr
- May
- Jun
- Jul
- Aug
- Sep
- Oct
- Nov
- Dec
November is $936 heavier than February.
Twelve months, put back where they belong
Twelve calendar months, honestly. Cost by month, the extra-paycheque months, the running balance, the biggest line items, and every charge that is not monthly.
Cost by month
- Housing
- Everyday
- Subscriptions
- Transport
- Debt payoff
- Savings
- Fun & eating out
2 months bring an extra paycheque
- A normal month
- The extra cheque
- Normal-month income
Cash over time, with the dips drawn in
Cash over time. A starting balance, a horizon, an optional return, and whether the leftover is banked. One-off plans draw the line down on the date they land.
- Starts at
- $4,200 on hand today
- Ends at
- $96,836 after 5 years
- Second line
- The conservative twin, so a return assumption never reads as a promise
The next 5 years
How it is built
Boring in the places that matter
No chart library, no component library, no analytics SDK. The dependency list is short on purpose.
Saved to your account when you sign in
No account needed to start: a draft stays on this device. Sign in and the budget is stored securely on our servers so it follows you. Export a file whenever you want a copy you hold.
A file you own
Link a real .json file and every later change is written into it. A few kilobytes of plain records — readable, diffable, and yours after we are gone.
Real cadences
Weekly, biweekly, monthly, quarterly, semiannual, yearly — with a due day or an anchor month. Nothing is rounded to a month it does not happen in.
Legible by construction
Every chart ships direct labels and a table view, so no value depends on telling two colours apart. Dark mode is its own set of steps, not an inversion.
Yours to take
Export the whole budget whenever you like, in the same format the app reads. No lock-in, because there is nothing to be locked into.
Fast, and small
Hand-rolled SVG charts, no chart library, no framework beyond React. The whole app is a fraction of the size of the page you are reading this on.
Details
The small things, which are most of it
- Undo that knows what a change is
- A burst of keystrokes in one field is one undo step. The toolbar names what will be undone before you commit to it.
- Figures that line up
- Tabular numerals wherever numbers sit in a column, so a ledger reads as a ledger rather than a ragged edge.
- A table behind every chart
- Each chart card toggles to the numbers it drew. Nothing a tooltip says is only available to a pointer.
- Any currency your browser knows
- Set per budget, formatted by the platform, symbol-aware in every field and axis.
- Caps you set, not caps we invented
- Give a flexible group a monthly ceiling and it is drawn as a ringed tick on the bar, with the distance to it in the tooltip.
- Motion that collapses
- Two curves, both short, and every one of them reduced to nothing under prefers-reduced-motion.
- A worked example to poke at
- Load a full household budget in one click, break it, and see what the charts say. Clear it just as easily.
- Files that survive us
- Plain records, coerced rather than trusted on the way back in, so a hand-edited or older file loads instead of crashing.
Nothing here is behind a plan
Every view, every cadence and every chart is on the free tier. Open it, load the worked example, and see whether it tells you something you did not know.