Calendar-based cash-flow budgeting

Know what you can safely spend before money gets tight.

ExactMoney turns paychecks, bills, debt, savings, and spending into a daily forecast, so your bank balance stops lying by omission.

See paycheck budgeting

🔒 Secure account sync powered by Plaid 📅 Built around dates, not categories 💵 Safe-to-spend forecast

Your checking balance does not know what bills are coming.

ExactMoney shows the dates that matter: payday, rent, cards, subscriptions, groceries, and the lowest point before the next deposit. The hero number is simple: what is safe to spend?

Safe to spend until payday$312.00

Next problem dateJul 14

Lowest projected balance$312.00

ActionMove or reduce $120

How ExactMoney works

1. Start with today's cash

Add your starting balance and the cushion you do not want to dip below.

2. Add paychecks and bills

Put recurring income, bills, debt, and planned spending on the date they happen.

3. Watch the forecast

See safe-to-spend, lowest balance, and the next date that needs attention.

What Users Are Saying

“I finally stopped guessing my balance. ExactMoney shows me what’s coming before it hits.”

— Sarah P.

“The daily balance view is genius. I ditched spreadsheets completely.”

— Marcus D.

“Super clean, fast, and accurate. Worth every penny.”

— Kelly R.

Choose the money problem you want to solve first.

ExactMoney is flexible, but most people start with one of these jobs.

Budget by paycheckSee what is safe to spend before the next payday. Get out of credit card debtPlan extra payments without creating a future cash crunch. Calendar budget for familiesGive the household one calm view of bills, paychecks, and spending.

Simple plans for a simple job.

Start free, then upgrade when you want unlimited entries, full history, bank sync, and exports.

Plan	Free $0 10 transactions: paychecks, bills, or planned spending items View current ±1 month	Most popular Basic $12.99/mo Unlimited entries • full history • bank sync • export Less than one overdraft fee a month.
Recurring transactions
Calendar + List with daily balances
Bank connection + transaction sync
Export (Excel / PDF)

Cancel anytime. Payments are processed securely by Stripe.

Questions before you start

Is my bank connection secure?

ExactMoney uses Plaid to connect eligible accounts. ExactMoney does not ask for or store your bank login credentials. You can also use ExactMoney without connecting a bank by entering items manually.

What counts as an entry?

An entry is one paycheck, bill, debt payment, savings transfer, or planned spending item on your calendar. The Free plan includes 10 entries.

Is there a mobile app?

ExactMoney is a web app that works in a modern mobile browser. A native iPhone or Android app is not required to use your calendar on a phone.

How is this different from YNAB?

ExactMoney is built around dates and projected daily balances. It helps you see what your money will look like before the next payday instead of starting with category or envelope assignments.

What happens to my data?

Your account and budget data are used to provide the ExactMoney service. Read the Privacy Policy for the data we collect, why we use it, and your choices.

Can I cancel anytime?

Yes. You can cancel the Basic subscription from your account settings. Your access continues according to the billing terms shown during checkout.