MyAutoBudget is designed around the way money actually moves—weekly paychecks, monthly bills, and long-term goals all working together.
Core experience
Every Friday, the dashboard shows a day-by-day ledger for the week ahead. You see exactly when income arrives, when each bill is due, and your running checking balance for every day through Thursday.
At the top: one number—the exact amount to transfer from savings to checking to cover everything plus your discretionary budget. No guessing, no mental math.
Savings architecture
Paychecks deposit into a savings buffer account—not directly into checking. Each week, you transfer only what's needed to cover bills and spending. The surplus accumulates automatically.
The dashboard tracks your float against a target you set. As the float grows, you gain breathing room: one missed paycheck stops being an emergency.
Spending & saving
Divide your weekly discretionary income into named buckets: groceries, personal spending, kids' activities, debt snowball. Group them by household member so everyone sees their share.
Attach a savings goal to any bucket and the system computes your completion date. A $5,000 vacation fund at $200/week? That's 25 weeks. The progress bar and ETA update every time you open the dashboard.
Long-range planning
Project your finances from 1 month to 40 years. Asset growth curves factor in high-yield savings interest. Debt payoff timelines include amortized interest for mortgages, HELOCs, car loans, and credit cards.
Toggle bill inflation to see how rising costs affect your budget over decades. The system even models ongoing credit card spending alongside your payoff plan.
Checking, savings, float, high-yield, HELOC, mortgage, car loan, credit cards—all in one place with real-time (or manual) balances.
Optionally connect your bank for auto-updated balances and credit card APRs. Everything works without it, too.
Upload your existing spreadsheet budget and import accounts, bills, and income sources in a single step.
Log when you earn more or less than expected. Route overages to a target account—like extra principal on a loan.
One-click tiles on your dashboard to jump to your bank, bill-pay portals, or any URL you use regularly.
Per-user isolated database. No analytics cookies. No ad networks. No data selling. We don't even look at your data.
Smart callouts on every page: surplus/deficit warnings, float health, nearest goal completion, and seasonal cash-flow patterns.
Bills and income can recur weekly, biweekly, monthly (with multiple dates), yearly, or one-time. Anchor dates keep everything aligned.
Install MyAutoBudget on your phone's home screen for instant access. Works offline for viewing your current plan.