Money in, less everything going out.
Paychecks and anything else that lands in your account, counted from each one’s first date.
Bills and spending. The colour on the left is how much room you really have if one lands at a bad time.
Log what you spend and see where your money goes, item by item.
See it with example numbersLogging tracks what you really spend. It doesn’t change your forecast: your budget already plans for groceries and gas, and counting both would count the same money twice. Keep your balance current and every number stays exact.
From the last 8 weeks you’ve logged: how much, how often, and what that means for the amounts in your budget. Nothing here changes your forecast unless you tap to use it.
Set a goal, pay yourself first from a paycheck or side income, and see the date you’ll reach it.
See it with example numbersPay yourself first
See six months ahead, counted exactly, and move bills to earlier paychecks so every paycheck carries itself.
See it with example numbersThe next six months, counted exactly
Looking six months ahead, this is the month where the least is left over after everything is paid. It's the honest number to plan against.
Money only moves forward: a paycheck can hold some back for later ones, never borrow from one that hasn’t arrived. Paying early is always safe: nothing is ever late, no fee, nothing reported. These are suggestions: your calendar stays exactly as you entered it.
Subscriptions and other optional spending. Cutting these frees cash immediately, with no fee and no damage to your credit.
Some bills have a real contractual grace window: pay inside it and there's no fee and no credit report. Others just charge you. BudgetMe never moves a bill for you. It shows you the window and lets you decide.
Pay your card the interest plus a bill, wait for it to post, then pay that bill with the card. Your balance lands where it started, the bill gets paid, and you earn rewards on it.
It frees cash this month by not paying your card down. Use it sparingly: when cash is tight and a bill accepts a card. It is not a paydown strategy, and it won’t lift your score.
Repeating reminders for your phone’s calendar: paydays, the bills you pick, and a weekly check-in. They show no amounts, so they stay right when your figures change and nothing private shows on your lock screen. Open BudgetMe for the numbers.
The first time, make a new calendar called BudgetMe and add the file to it. Keeping them in their own calendar is what makes refreshing easy.
iPhone: in the Calendar app, tap Calendars, then Add Calendar and name it BudgetMe. Back here, tap Get the calendar file, choose Save to Files, then open the file in the Files app, tap Add All and pick BudgetMe.
Google Calendar: on a computer, open calendar.google.com, make a calendar called BudgetMe, then go to Settings → Import and pick the file and that calendar. Google uses the calendar’s own alerts rather than the file’s.
Mac or Outlook: open the file and choose New Calendar or BudgetMe when asked.
To refresh: delete the BudgetMe calendar, make it again, and add the new file. BudgetMe tells you when your schedule has changed enough to need it.
This makes one file describing your budget (accounts, bills, paychecks, and what you’ve logged), written so an assistant like Claude or ChatGPT can read it. Attach it to a chat and ask one of the questions below.
This demo keeps nothing. Start your own budget free and save it on your device. PDFs, the AI file and calendar reminders come with the full app.
Start free Get the full app: $19.99 once$19.99, paid once. Adds Forecast, Rebalance, Goals, Spending, more accounts, PDFs, a file for your AI and calendar reminders. Your budget stays right where it is.
Get the full appYour budget lives only on this phone. There's no account behind it, so if this browser's data is ever cleared, nothing can bring it back except a copy you saved.
Your budget lives on this device. It only leaves when you save a copy, make a PDF or share a file, and then it goes where you send it. A saved copy is the only backup there is, and it's how you move to a new phone or computer.
For moving a budget without a file: copy this text, then paste it into BudgetMe on the other device and load it.