Pay-cycle budgetingBudget by your paycheck,
not the calendar.
Your paycheck arrives on a specific day. Your budget shouldn't start on the 1st. Align your money to your life, not the calendar.
Why is this different?
Most budgeting apps track what you already spent, we help you decide before you spend it.
Pay-cycle periods
Your financial month starts on payday, not Jan 1st. Budgets, carryovers, and reports all follow your actual cycle.
Learn more →4 smart buckets
- Flowdaily budget, grows each day
- Fixedrecurring bills and subscriptions
- Extrabigger purchases, rolls over
- Savingsset aside, linked to goals
Day 17, are you ahead?
Flow grows each day. By day 17 of 30, you've unlocked 17/30 of your budget. Overspend and your balance goes negative right away, not at the end of the month when it's too late.
Learn more →
Always in control
Log a transaction, watch your buckets update. No spreadsheets, no guessing.
- Your daily Flow balance grows each morning automatically.
- Extra income? Log it just as easily as expenses.
- No fixed end date. Close the period when you get paid.
See your patterns
One month is noise. Multiple periods show the pattern. See your habits, not just your transactions.
- Compare multiple pay cycles side by side.
- Drill into any subcategory across time.
- Goals reached, hoard grown. See by how much.
Save with a reason
Saving without a goal is just a number. Name it, track it, reach it.
- Savings logged automatically every time you close a period.
- Got a bonus? Add it directly to your savings.
- Set a goal, watch the progress bar fill up.
Plan before you buy
Add to list, shop, check off. Spendings logged automatically.
- Never forget an item. Plan your list before you leave.
- Tax not included? We add it for you.
- No checkout surprises. Every item can be logged with its price.
Be honest:
Do you know where your money
went last month?
Find out. Your next paycheck deserves a plan.
I need to know