Most budgets work on a monthly cycle. But your bills don't care about months—they care about dates. MyAutoBudget works in weeks, giving you a concrete plan every seven days.
Four concepts work together to keep your finances predictable and your savings growing automatically.
Your paychecks deposit into a savings buffer account called the float—not your checking account. This is the key insight: by default, your money is saved. Spending is the deliberate act, not saving.
The float acts as a shock absorber. A slow week, an unexpected expense, or a missed paycheck draws from the buffer instead of overdrafting checking.
Every Friday, MyAutoBudget scans the week ahead (Friday through Thursday) and totals up every bill that's due. It adds your weekly discretionary allocations—groceries, spending money, debt extra payments—and tells you the exact dollar amount to move from savings to checking.
One transfer. One number. Done for the week.
The dashboard shows a day-by-day ledger: what hits your account on Monday, Tuesday, Wednesday. Your running balance is visible for every day, so you always know how much room you have before Thursday's reset.
No category tracking. No receipt scanning. Just a clear picture of cash in and cash out.
If income exceeds bills and allocations, the surplus stays in the float—automatically. Over time, your buffer grows from one week's expenses to two, then a month, then more. You choose a float target (say $10,000) and the dashboard tracks your progress.
Once the float is healthy, excess can flow into high-yield savings or accelerate debt payoff. The system models both paths in its long-range projections.
Discretionary spending
After bills are covered, what's left is your discretionary income. Instead of dumping it into checking and hoping for the best, you divide it into named buckets.
Each bucket has an owner (you, your partner, \"joint\"), a weekly dollar amount, and an optional target account. Think of them as lightweight envelopes—but forward-looking, not backward.
Savings goals attach to buckets. A \"Vacation\" goal linked to a $200/wk bucket shows a completion date and progress bar right on the dashboard.
The long view
The reports page projects your finances from one month to forty years. Asset curves include high-yield savings interest compounding weekly. Debt curves use proper amortization schedules with your actual APR and minimum payments.
Optional bill inflation lets you see how a 3% annual increase in recurring expenses compounds over a decade. Credit card projections model ongoing monthly spend alongside your payoff plan, so the numbers reflect reality—not a fantasy where you stop using the card.
Contextual insights highlight key moments: when your float reaches its target, when each debt is paid off, and whether your balance ever dips below zero.
The onboarding wizard walks you through everything. Or upload a spreadsheet and skip the manual entry entirely.
Checking, savings, debts, credit cards—enter starting balances and APRs. Or connect via Plaid.
Name, amount, recurrence. The system handles weekly, biweekly, monthly, and yearly schedules.
The dashboard builds instantly. Your weekly plan, daily balances, and savings goals—ready to go.
Free during the beta. Set up takes five minutes. See your first weekly plan today.
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