MyAutoBudget

If this sounds like you, keep reading.

You earn more every year. Your savings rate doesn't show it.

Every raise, bonus, and tax refund should mean you're stacking cash. Somehow it doesn't. The money arrives, it feels great for 48 hours, and then it's just… gone.

Your money lives in eight places and you can't draw a map.

Checking, savings, a joint card, your card, the Roth IRA you set up two jobs ago, the HSA, the brokerage, the "emergency" savings that isn't. You don't need another dashboard. You need a plan.

Every windfall quietly becomes "lifestyle."

The Peloton, the nicer car, the trip, the renovation, the kitchen redo someday. Individually reasonable. In aggregate, the reason it still feels like treading water no matter what the paycheck looks like.

You tried other tools, but they take too much manual work and then sell your data.

You went back to a spreadsheet. The spreadsheet is the reason you're here. You want the rigor of a spreadsheet and the nagging of an app, without either selling you out.

Three things a budgeting app should do for you, that no budgeting app does.

A weekly plan that survives lifestyle creep

Your paycheck arrives monthly or bi-weekly. Your spending happens daily. The weekly number is the only thing that stops a $40 lunch habit from silently becoming a $2,000 line item. We build it for you, every Friday, from every bill and every paycheck.

Float + HYS: liquidity in its right place

Paychecks land in a working float — a stable buffer between your income and your bills. Each Friday, the system tells you the one transfer to make from float to checking. Any savings you've set up as a bucket joins the same plan, deliberately. The money you wanted in HYS actually gets there, instead of sitting in a zero-yield account because you "haven't gotten around to it."

A real ETA to your number

Assets compounded forward. Debts amortized — including the credit card revolving balance and the 30-year mortgage. 401(k) and pension contributions projected out. Get an honest ETA to CoastFIRE, FIRE, or the house in the good school district — not a vague savings gauge.

Allocation buckets with owners

Dual-income households, without the Venmo wars.

Split the weekly discretionary number by owner — yours, your partner's, and joint — and by purpose. Groceries, kids, personal fun, the house fund, the vacation fund. Each bucket has its own weekly amount and its own running balance.

Goals attach to buckets, so "Italy 2027" has both a target and a weekly funding rate — which means it also has a real ETA, not a vibes-based one.

Allocation buckets section — owner-tagged weekly amounts for joint, personal, and savings groups

Starting from zero?

No float yet? Here's how to start one.

The float is the system's foundation, but you don't need a windfall to begin. Pick the path that fits the next 90 days.

Use a tax refund

When the refund lands, drop it straight into the float account before it touches checking. For most households, that's a one-shot way to seed two to four weeks of buffer.

Snowball one windfall

Bonus, gift, signing bonus, money from selling something idle — same play. Route the whole thing to the float once. The system tracks the running balance from there.

Skim a paycheck

For four to eight weeks, send 5% off the top of every paycheck to the float before checking sees it. Painless at 5%. Compounds quickly.

Snowball your next raise

Next time pay goes up, route the delta — not the whole paycheck — into the float for one cycle. Lifestyle stays where it was. Buffer grows.

Not another expense tracker.

Most "budget apps" categorize the past. You need a tool that plans the future — across messy income, sprawling accounts, and long horizons.

Generic budgeting apps

Categorize transactions that already happened
Monthly buckets that never match paydays
"You spent $420 on restaurants" — okay, and?
Sell aggregate transaction data to brokers
No retirement, pension, or RSU modeling
Bank linking required — invasive by default

Plans the week before you live it
Friday-to-Thursday cycle that matches how you actually spend
"You can spend $175 until Thursday, and that hits your goal"
Per-user encrypted database. Data is never sold, ever.
Full 20-year projection: 401(k), pension, debt amortization
Plaid is optional and off by default. Use it only if you want it.

Long-range projections

Answer the question you actually want to ask.

Not "what did I spend on Uber last month." The real question — when am I done? When does the mortgage come off? When can we stop earning at this pace? When does the college fund cover in-state, out-of-state, or the private-school curveball?

Every account, debt, recurring bill, income source, retirement contribution, and pension benefit compounded forward — weekly, not hand-waved — up to 20 years. Toggle inflation on. Stress-test a career break. See the answer.

Twenty-year financial projection chart with asset growth and debt payoff curves

Privacy, not a promise

Your net worth is not a product.

We don't sell your transactions. We don't sell aggregate data. We don't cross-pollinate with lenders, affiliates, or "partner offers." Every user's financial data lives in its own isolated database, Fernet-encrypted at the field level. Passwords are bcrypt-hashed. Sessions are HMAC-signed. That's not a marketing claim — it's in the codebase, and the codebase is auditable.

Plaid is optional. You can run MyAutoBudget with nothing connected to a bank — plenty of our users do.

Whatever you're earning

Same product at $60K. Same product at $600K.

The arithmetic doesn't change; only the numbers do. The float matters more when the buffer is small. The 20-year projection matters more when retirement is closer. Owner-tagged buckets matter the moment two paychecks share a roof.

One price. Everything included.

No premium tier that unlocks basic features. No affiliate mortgage offers. No upsells for things that should have been in the box.

Monthly

$14.99/mo

Billed monthly. Cancel anytime.

Two months free

Annual

$140/yr

Works out to $11.67/mo. Billed once.

30-day free trial. Cancel anytime.

Stop earning more and saving the same.

Start your 30-day free trial. If it doesn't change how you see your money inside a month, cancel anytime.

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