Where Every Payday Finds Safe Harbor
Master payday-to-payday budgeting with intelligent automation. Track unlimited income sources, demolish debt with proven strategies, and build lasting wealth—all guided by the 7 Baby Steps framework.
Everything You Need to Master Your Money
Comprehensive tools designed for real-world payday-to-payday budgeting. From automated bill assignment to debt payoff simulation—we've got you covered.
Core Budgeting
Multiple Income Sources
Track unlimited income sources with individual payday schedules. Perfect for dual-income households, side hustles, or irregular income patterns.
Smart Payday Planning
Automatically assigns bills and debts to the right payday based on due dates. Navigate past, present, and future paydays with intelligent allocation.
7 Baby Steps Framework
Complete guided journey from $1,000 starter emergency shield through building wealth. Track your progress through each milestone with visual indicators.
Debt Elimination
Debt Snowball Method
Automatic debt prioritization by balance or interest rate. Watch payments roll from paid-off debts into your focus debt, accelerating your freedom.
Debt Payoff Simulator
See exactly how extra payments impact your debt-free date. Calculate interest savings and timeline reductions with interactive what-if scenarios.
Custom Debt Focus
Override recommended order to focus on specific debts. Maintain snowball momentum while adapting to your unique situation and goals.
Tracking & Reconciliation
Real-Time Balance Tracking
Live balance updates as you mark items paid. Visual charts show spending trends and help you stay within budget throughout each payday period.
Balance Reconciliation
Match your budget to your bank account in seconds. Automatically identifies discrepancies and creates adjustment entries for perfect accuracy.
Bill Split Payments
Divide large bills across multiple paydays automatically. Set up payment plans that reduce per-payday burden and prevent budget strain.
Smart Automation
Emergency Shield Protection
Maintains safety buffer automatically. Prevents over-allocation and suggests optimal emergency fund levels based on your expenses.
One-Time Income Wizard
Smart allocation recommendations for bonuses, tax returns, and gifts. Distributes windfalls optimally across Baby Steps priorities.
Quick Mobile Transactions
Add expenses on-the-go with the mobile quick-add button. Track spending in real-time with custom categories and instant budget updates.
Productivity & Security
Printable Budget Reports
Generate professional payday reports for envelope budgeting or record-keeping. Export your plan to paper for tactile budget management.
Comprehensive Help Guide
Searchable documentation covers every feature in detail. Get answers instantly with step-by-step guides and best practices built right in.
User Feedback System
Request features or report issues directly from the app. Track your feedback status and help shape future development.
Secure & Private
Bank-level encryption protects your financial data. We never share your information with third parties or sell your data.
How It Works
From zero to fully budgeted in under 10 minutes. Our intelligent system does the heavy lifting.
Complete 7-Step Onboarding
Guided setup walks you through income sources, debts, bills, emergency fund, and spending preferences in minutes.
Let Intelligence Work
Smart algorithms automatically assign bills to optimal paydays, calculate debt priorities, and recommend savings allocations.
Track Daily Progress
Mark items as paid, track balance changes, and watch your Baby Steps progress advance as you build financial freedom.
Achieve Financial Peace
Follow your personalized plan to eliminate debt, build emergency savings, and create lasting wealth systematically.
Eliminate Debt
Proven snowball method with automated calculations and visual progress tracking
Build Emergency Shield
Automatic protection buffer prevents over-spending and maintains safety net
Achieve Financial Peace
Follow the complete 7 Baby Steps journey from survival to thriving wealth
Ready to Find Your Financial Harbor?
Join today and start your journey to financial peace. Set up your complete budget in under 10 minutes and take control of your finances.