Your budget is out of date. That’s fine — AfterPenny plans around it.
Most tools go quiet when your data is stale, or panic at a number from three months ago. AfterPenny rolls your accounts forward through the paychecks and bills it already knows about — and then tells you whether that overdraft is real.
How it thinks
The hard part of financial advice isn’t spotting problems. It’s spotting them honestly, on data that is almost always partly stale, incomplete or lazily entered.
Reconstruct, then judge.
Stale isn’t unknown. A checking account you haven’t touched in three months still got its paychecks and still paid its mortgage. AfterPenny rolls it forward through the recurring events it already knows about, and only then asks whether that overdraft is real.
Honest about the guess.
The more it had to infer, the more plainly it says so — “based on your usual paychecks.” Inference earns the alert; honesty about the inference is what keeps it worth trusting.
It never moves your money.
AfterPenny is an advisor, not a bank. It has no transfers, no payments, and no autopilot — it tells you what’s coming and leaves the doing to you.
What you get
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Dashboard
Where you actually stand today, with the guesswork labelled as guesswork.
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Accounts
Every account in one ledger, with a freshness marker so you know what’s current.
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Budget
Envelope-style categories with carryover that behaves differently for income and expenses.
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Forecast
Discrete, dated events — the paycheck on the 15th, the mortgage on the 1st. Never a smoothed daily drift.
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Unbudgeted
The transactions your budget hasn’t accounted for, in one list, so nothing quietly slips through.
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Goals
Savings targets that know what your cash flow can actually feed them.
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Requests
Kids ask, adults approve. Allowances and purchase requests without the group chat.
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Independence
How close you actually are to not needing the paycheck — and which levers move the date.
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Import
CSV, OFX/QFX and Excel, with duplicate detection that survives messy bank exports.
Built for a household, not just a spreadsheet owner
One household can hold several budgets and several people. Adults get a rollup that shows the whole picture; each person gets their own profile, their own accounts, and their own view. Kids get an allowance and a way to ask before they spend — and an answer that isn’t a text message at 9pm.
The guardrail matters as much as the feature: a child never sees a sibling’s spending, and never sees the household’s books. Access is scoped per person, and it’s enforced on the server — not hidden in the interface.
Plans
Paid plans are coming. The honest analysis is on every plan, free included — automatic bank sync is what you’re paying for, because it’s what costs us money.
Free
- Core budgeting
- Transaction import
Pro
- Everything in Free
- Personal database isolation
- Priority support
Premium
- Everything in Pro
- Multiple budgets
- Advanced analytics
- Early access to new features
Find out what’s actually coming.
Import a few months of transactions and AfterPenny will tell you where you land — and how much of that it had to infer.
Start free