MyAutoBudget — Features

Core experience

Weekly plan, Friday to Thursday.

Every Friday, the dashboard rebuilds: all upcoming bills, expected income events, and allocation targets for the next seven days. One header card shows the one-number summary — what to transfer to HYS, or what to pull from it. One day-by-day schedule shows where your balance will land on every single day of the week.

No login-at-month-end reconciliation. No "you spent 73% of your dining budget" notifications. The plan is the product.

Savings architecture

Float + high-yield. Two accounts, one purpose each.

Paychecks deposit into a dedicated float account — a buffer that absorbs the bumps between income and bills. The Friday plan tells you the one transfer to move from float to checking. High-yield savings is its own account, fed by buckets you set up deliberately — not by a leftover-sweep that depends on you remembering. No more cash sitting in a zero-yield account because you'll "deal with it later."

The dashboard shows your float balance week to week, and the insights panel calls out where you stand against your float target. Building the buffer becomes a deliberate weekly act, not a "someday" to-do.

Accounts list on the manage page — checking, float, high-yield savings, credit card, mortgage

Spending & saving

Allocation buckets with owners. Goals with ETAs.

Split your weekly discretionary number into named buckets grouped by owner — yours, your partner's, joint. Each bucket has a weekly amount and a running balance that carries forward. Overspend one week, underspend the next; the bucket remembers.

Attach a savings goal to any bucket. Target amount plus current balance plus weekly funding rate equals an ETA — computed, not guessed. "Kitchen reno: $22k target, $8.4k saved, funded at $260/wk = 52 weeks out."

Savings goals with progress bars, target amounts, and ETAs

Long-range planning

20-year projections that model everything.

Assets compound weekly at their configured rates. Amortizing debts (mortgages, student loans, auto) pay down on their real schedules. Credit card revolving balances are modeled properly — APR/52 compounding, minimum payment math, the works. 401(k) contributions cap at the annual IRS limit. Pension benefits phase in on their eligibility dates.

Toggle inflation. Toggle a career break. The curve bends in real time and the insights update with it. This is what a spreadsheet does after eighty hours of work, minus the eighty hours.

Twenty-year projection chart on the reports page

New Retirement modeling

401(k), IRA, and pension — finally in the same projection.

Log your tax-advantaged contributions (401(k), Roth IRA, HSA, backdoor Roth) with their own cadence and annual caps. Add pension benefits with their start dates, monthly amounts, and COLAs. Both flow into the 20-year projection and show up as a dedicated future-income panel.

Which means the answer to "when can we stop earning at this pace?" includes all the money you aren't looking at — not just the taxable brokerage.

Retirement contributions and pension benefits sections on the manage page

Privacy

Per-user encrypted database. Never sold. Never aggregated.

Every user gets their own isolated database. Inside that database, sensitive fields (balances, amounts, account identifiers) are Fernet-encrypted at the field level. Passwords are bcrypt-hashed; sessions are HMAC-signed; CSRF is enforced on every state-changing request; IP rate limiting is on by default.

We do not sell transaction data. We do not run an affiliate marketplace. We do not cross-pollinate with lenders, insurers, or "partners." Plaid is optional — the app is fully functional with zero external integrations, and that's how many of our users run it.

And everything else you'd want.

Multi-account tracking

Checking, savings, float, HYS, debt, credit card, mortgage, and asset accounts — each with its own type and rate.

Plaid bank sync

Optional. Off by default. On only if you want it. Connect one account, all of them, or none.

Income adjustments

Log when you earned more (bonus, RSU cash-out) or less (unpaid leave) than planned — it re-flows through the week.

Credit card revolving math

APR/52 weekly compounding, minimum payment logic, and payoff ETAs. Because cards revolve sometimes — even when they shouldn't.

Flexible recurrence

Bills and income on one-time, weekly, bi-weekly, monthly, or yearly cadences — and anything that doesn't fit can be a one-off.

Quick links

One-click tiles on the dashboard to jump straight to your bank, brokerage, or credit card portal.

Contextual insights

Callouts on the dashboard and reports — positive, caution, or negative — that highlight what changed this week.

Progressive web app

Installs to your phone home screen. Works offline for reading. No app-store toll, no tracking SDKs.

Eleven locales

English, French, German, Italian, Spanish (ES/MX), Portuguese (PT/BR), Japanese, Korean, Chinese (CN/TW), Arabic — with proper currency formatting per locale.

Data export & delete

Download everything as a structured export at any time. Delete your account and every trace of your data with one click.

No mobile app to install

Server-rendered, works in any browser, feels like an app because it's fast. One codebase, one deploy, no app-store approval lag.

Every feature. One price.

No tiers. No "premium" unlock. Retirement modeling, multi-account, projections, Plaid, i18n — all of it, for every subscriber.

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.

Plan the week. Project the decade.

Start a 30-day free trial. Cancel anytime.

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Features built for households that have outgrown expense tracking.