Budget · for couples who pay by card
Know which card to swipe today.
Budget follows your paydays and card cutoffs, so every purchase lands on the card that gives you the most time to pay.
- Cutoff-aware
- Payday-synced
- Built for PH banks
The problem
Is it safe to swipe BPI today, or did the statement just close?
Will payday land before the bill is due?
One answer, every day.
Budget tracks both cards' cutoffs and your 15th/30th paydays (moved earlier when they fall on a weekend or holiday), then tells you which card to use and how much cash is really free.
Features
Everything around one decision
Use today
The card with the longest runway, named on your home screen.
Payday that moves
Weekend or holiday? Your payday shifts to the last banking day and your plan follows.
Set aside for card bills
Free cash is cash on hand minus what's reserved for statements. No surprises.
Log in 3 taps
Amount, category, save. The cycle updates itself.
Try it
Move the date. Watch the answer change.
Drag the slider through November. Illustrative numbers.
Nov 11: use Card A. Free cash ₱10,195.00.
Wed, Nov 11 · Oct 30-Nov 12 cycle
Oct 30-Nov 12 · billed Dec 10
Paid from your Oct 30 payday
Cash on hand minus what's set aside for card bills.
0 of 1 bill paid
Shared household
Two incomes, one picture.
Both of you log expenses. Every peso lands in one shared cycle, so nobody has to ask "did you pay that?"
Ana
Groceries ₱950.00
Ben
Utilities ₱1,200.00
Questions, answered.
Which banks and cards work?
Any credit card. You enter each card's statement cutoff and due offset; nothing connects to your bank.
Does it move my money?
No. It plans and reminds; it never touches your accounts.
What about paydays on weekends or holidays?
They shift to the previous banking day automatically, using Philippine holidays.
Can two of us use it?
Yes. Households share one cycle and both can log.
Why is the number different from my statement?
Statements post late. Budget counts what you logged today and what is set aside.
Is it free?
Placeholder: pricing is not final.
Know which card to swipe, from today.
Free on iOS and Android.