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Short answers to the questions people bring to a budgeting app. One page per question, each written to be read in a few minutes, and each one ends at the same place: a 35-day trial with no card.
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- Budgeting without linking your bankWhat a bank connection gives you, what you give up without one, and what you get back.
- A cash flow forecast for your householdThe one sentence at the top of the app, and the arithmetic behind it.
- The number your bank balance is hidingEveryone knows their balance. Almost nobody knows the day it runs lowest.
- How much should you keep in checking?The usual answers are a month of expenses or a round number. The real one is a date.
Paychecks and periods
- Budgeting by paycheckWhy the budget period is yours to pick, and what changes when it follows your income.
- A budget for people paid every other weekTwenty-six paychecks do not fit twelve months. Budget the pay period instead.
- What a cash flow calendar isYour bills and paychecks on their dates, with the balance you will have on every day.
- Budgeting on irregular incomeFreelance, commission, tips, seasonal work. Budget the stretch between deposits, not the month.
Debt and saving
- The day you are debt-freeAvalanche, snowball, and what an extra payment buys, in plain words.
- How much should you put toward debt each month?The number is what is left after the period's bills, and your budget already knows it.
- Sinking funds without extra accountsPut money aside a little at a time for a bill you can see coming, inside the budget you already have.
- Budgeting for buy now, pay laterFour small payments feel like nothing until three plans land in the same week. Put every installment on the calendar first.
Coming from another app
- Looking for a Mint alternative?Mint closed in March 2024 and its replacement kept the tracking, not the budget. What to look for now.
- Looking for a YNAB alternative?What the envelope method gets right, why people go looking anyway, and what to look for next.
- Forecast Commander vs YNABYNAB plans your month. Forecast Commander plans your dates. The difference on one screen, and which one fits the way you are paid.
- Looking for a Goodbudget alternative?You already type your money in. Keep the envelopes, and add the dates.
- Looking for an EveryDollar alternative?Zero-based holds up. What to look for once the debt steps are done and the question is next quarter.
- Looking for a Monarch alternative?Everything connected and shared is one thing. The month ahead is another.
- Looking for a Rocket Money alternative?The subscriptions get canceled and the question remains. The budget it came with, done properly.
- Looking for a Simplifi alternative?The closest thing to a forecast on the list, and what a forecast is made of.
- Looking for a Copilot alternative?Beautifully organized, automatically, on Apple devices. What to look for when you want the month ahead, or an Android phone.
- Looking for a PocketGuard alternative?One number for what you can spend today. What to look for when you want that number for every day ahead.
- Budget spreadsheet or budgeting app?If you budget in a spreadsheet you already run a forecast. What the sheet does better, and what it can't.
Setup starts with the account your money sits in, and the 35 days are free with no card. Read the Getting Started guide.