Know what every paycheck is for
Plan your money one paycheck at a time, free. Enter your pay dates, bills, debts and goals once, and Manage Your Means matches every bill to the paycheck that covers it and shows what's left before the next payday — plus debt payoff plans, free retirement planning, and calculators you can use without signing up.
No bank linking. No adverts. No cost. Want a look first? See it with sample data above opens a full example household — nothing to sign up for, and nothing saved to our servers.
Every paycheck planned, and everything it pays for
Most of what a budgeting app gets wrong is timing. This one plans in dates — the days you are paid and the days money leaves — rather than monthly averages.
Cash Flow Planner
Every bill is matched to the paycheck that covers it. When an earlier paycheck has room, it takes a share of a bigger bill that is coming, so the cost is spread out instead of landing on one check. Each pay period shows what is left, and the planner flags the weeks where the money runs out before the month does.
Retirement planning, free
Project retirement income, run a Monte Carlo simulation over it, estimate Social Security, and check you are capturing the full employer match. Public pensions from 17 countries can count toward the plan too.
Debt payoff
Put every balance in one dashboard, then compare avalanche against snowball to see which one clears the debt sooner and which one costs less interest.
Savings goals
Name a goal, set a target and a date, and the planner works out the transfer it takes to get there — and holds it against the rest of your budget.
Shared with someone you trust
Invite a partner, or an adult child helping a parent, to see your plan. You choose view-only or view-and-edit, and every change they make is listed for you to read back.
Financial health check
A scored read on savings rate, emergency cover and debt load, with the benchmarks it is measured against shown alongside it.
Income review
Start from gross pay, subtract the deductions one at a time, and see what actually reaches your account each pay period.
Free calculators — no account, no sign-up
Every one of these runs in your browser and keeps nothing. Use them on their own, or let them read from your saved numbers once you have an account.
Your numbers stay yours
A budgeting app asks for the most sensitive data most people have. Here is exactly what happens to it.
No bank connection
Nothing links to your bank and nothing asks for banking credentials. You type the figures in, which means there is no account to breach on your behalf.
Encrypted at rest
Sensitive fields are encrypted in the database, not merely access-controlled, so a stolen backup is not a readable one.
No trackers, no adverts
No third-party scripts, no advertising, no cross-site tracking. The content security policy permits the application's own origin and nothing else — including images, which is what stops a tracking pixel loading at all. The one thing the application collects is anonymous first-party diagnostics — script errors and page-load performance, sent to its own origin with no identifiers — and the performance part is disabled when Do Not Track is set.
Also on your phone
The Manage Your Means app shows what's due in the week ahead, lets you mark bills paid as you go, and reminds you before one lands. The reminders are scheduled on the phone itself, so no server is told what they're about.
Built for account holders. Sign in with your Manage Your Means account to see your own budget — the app has no demo mode.
Questions people ask first
Does Manage Your Means connect to my bank?
No. There is no bank linking and no account aggregation. You enter your own income, expenses, debts and balances, which means nothing here ever holds your banking credentials.
Can I try it without creating an account?
Yes. The calculators and the education pages work with no account at all. For everything else there is demo mode: switch on the Demo toggle in the header and the whole app runs against a sample household stored only in your own browser.
How much does it cost?
Everything one household needs to run its own money is free, and stays free for good: the Cash Flow Planner up to 18 months ahead, budgets, debt and net worth tools, retirement planning, bill alerts, sharing view-only access with a partner, and downloading or deleting your data. The application is live and still adding new features, and a paid tier, Plus, is coming for people who want more: planning further ahead with life-event scenarios, a partner who can edit, sharing with more people and a view across several households you help with, AI analysis of your data that stays off unless you turn it on, a year-end package, new depth at the High level, and a small game mode. Plus is planned at $30 a year, or $50 a year as Supporter, the same Plus for people who want to give more. There is no advertising and no selling of data, and there never will be.
Is the retirement planning free too?
Yes. The retirement income projector, the Monte Carlo simulator, the Social Security estimator and the employer match calculator all work with no account. With an account, your plan can also count public pensions from 17 countries, and a retirement health report scores the whole picture.
What happens to the numbers I save?
They are stored against your account and sensitive fields are encrypted at rest. No third-party scripts, advertising or tracking pixels load, and the content security policy only permits the application's own origin. The application does record anonymous first-party diagnostics — script errors and page-load timings, with no identifiers and no third parties — and it honours Do Not Track for the performance part.
What makes the cash flow planner different from a spreadsheet?
It works in dates rather than monthly averages. Income lands on the days you are actually paid, bills land on the days they are actually due, and the schedule shows the running balance between them — so it can tell you that a particular week is short, not just that the month roughly balances.