Free zero-based budgeting

Tell your moneywhere to go.

Zero-sum budgeting for people who are done guessing. Allocate every dollar of your income in under 15 minutes: debts, savings, investments, all sorted.

PAYCHEQUE · APR 15

$3,300.00

Housing$825.00
Savings$330.00
Debt Payoff$275.00
Investments$660.00
Lifestyle$1,210.00
Remaining$0.00
1,000+ householdsZero-sum methodologyBank-level encryption
FEATURES

Everything you need to budget smarter

Built around the zero-sum principle: income minus allocations equals zero.

See your debt-free date

Know exactly when you'll be debt-free with snowball or avalanche projections.

Build your safety net

Guided emergency fund calculator. See progress toward 6 months of expenses.

Grow your wealth

Retirement projections with inflation-adjusted returns. See your future net worth.

Track your goals

Savings targets for a house, vacation, or education. Watch progress grow.

Budget in 2 minutes

Returning users roll over last budget and adjust just what changed.

Private & secure

Encrypted, row-level security. Only you can see your budgets.

HOW IT WORKS

Three steps to financial clarity

Budget your next income deposit in under 15 minutes.

01

Enter your income

Tell us your take-home income, frequency, and next income date.

02

Walk the wizard

11 guided steps: debts, housing, savings, investments, lifestyle.

03

Hit zero and repeat

Every dollar has a job. Save, then roll it over next income deposit.

THE DIFFERENCE

Night and day

See what changes when every dollar has a purpose.

Before Payday Audit

  • "Where did my money go?"
  • Guessing at expenses
  • No savings plan
  • Debt feels endless

After Payday Audit

  • "Every dollar has a purpose"
  • Precise per-deposit allocations
  • Emergency fund on track
  • Debt-free date: March 2028
FREE FOREVER

Stop guessing. Start allocating.

Stop wondering where your money goes. Start telling it where to go.

Create your free budget