Your spending room
One number: what’s safe to spend until payday, after bills and your buffer.
Can I
afford it?
Budgeting Parent checks your bills, payday and spending, then gives you a straight answer before checkout.
- Know what’s yours to spend.
- Keep the next bill in the picture.
- Get an honest answer from the Parent.
10 Parent messages included. No credit card.
Before you tap pay
Example account · October 5 · payday in 10 days
$187left until payday
FitsYour $1,135 until payday, already planned
- Bills $265
- Everyday $203
- Buffer $420
- Yours $247
- Today, Oct 5You ask
- Oct 8Electricity −$85
- Oct 15Payday +$2,100Student loan −$180
Yes, kiddo. Get the pasta. Maybe skip the third cocktail.
Connected through Plaid Can’t move your money Disconnect in Settings
Your balance
has plans.
The money in your account also has to cover the days ahead. Bills, everyday spending and a buffer come before the “treat yourself.”
Budgeting Parent puts those commitments next to your cash, so you can see what’s actually left to work with.
- Connect your accounts.Bring balances and transactions together through Plaid.
- Fill in the days ahead.Confirm your income, bills and paydays.
- Make the budget yours.Set a monthly limit and a buffer you’re comfortable with.
An example plan · October 5–15
| Cash within your budget | $1,135 |
|---|---|
| Bills before paydayElectricity $85 + student loan $180 | −$265 |
| Everyday spendingRoom for the usual groceries, travel and life | −$203 |
| Your comfort bufferA cushion for the unexpected | −$420 |
| Safe to spend | $247 |
This is a plan for your money. Nothing is moved or set aside automatically.
Ask Parent.
See the answer.
Ask in plain words. Parent answers in a sentence, then shows you the picture: a meter, a donut, a table of what’s due.
Parent does the talking. The numbers come from your accounts and plain math, never a guess.
Can I afford a $400 flight home?
Not before payday, champ. That flight is $153 more than you can safely spend right now.
$153shortDoesn’t fit
That’s $153 more than the $247 you can safely spend over the 10 days until payday.
→Book it on the 15th, once your paycheck lands.
Sample conversation. Your own numbers come after sign-in.
See the
whole picture.
Your dashboard, payments, spending and preferences. Together, where you need them.
Actual app screens with sample data.
Bills meet payday
Check when money comes in and what goes out on the same calendar.
Follow the spending
Trace income into spending categories and see what’s left. Yes, the takeout counts.
Set your own limits
Adjust your monthly budget and comfort buffer as life changes. You’re in charge.
Start free.
Ask away.
Get to know your numbers first.
Keep the conversation going with Pro.
Free
$0 / forever
Your money picture, plus a few good conversations.
- Safe-to-spend dashboard
- Bank linking and transaction feed
- 10 Parent messages, included once
Pro
$6.70 / month
For the questions that keep coming. Parent’s here.
- Everything in Free
- Unlimited Parent conversations
- Manage your plan in Settings
Before
you connect.
Good questions.
Straight answers.
What is Budgeting Parent?
Budgeting Parent brings your accounts, bills and payday into one money picture. See what’s safe to spend, check upcoming payments and ask a strict, funny, loving Parent to help you think through a money decision.
How is safe-to-spend worked out?
It starts with your available cash or monthly budget, whichever is lower. It then accounts for bills due before payday, your usual everyday spending and your comfort buffer. The remaining amount is your spending room. You can review the explanation on your dashboard and adjust your budget and buffer in Settings.
How much does Budgeting Parent cost?
Free includes your dashboard, bank linking, transaction feed and 10 Parent messages, included once. The allowance does not reset each month. Pro is $6.70 per month and includes unlimited Parent conversations. You can manage your subscription in Settings.
Can Budgeting Parent move my money?
No. Bank connections use Plaid to read account and transaction information. Budgeting Parent does not initiate transfers or pay bills for you. A suggested buffer or savings amount is guidance for your plan; you decide what to move. You can disconnect accounts or request account deletion in Settings.
What do I need to get started?
Create an account, connect your bank and confirm your income, bills and paydays. Set a monthly budget and comfort buffer that fit your situation. Your dashboard brings those details together, and you can ask the Parent about your next decision. Starting a free account does not require a credit card.
Go on.
Ask the Parent.
Start with your numbers. Bring your questions.
No credit card needed.