The practical way to organize your personal finances.
Track your spending, rely on a simple budget, see all your balances, get reminders for irregular expenses, plan for major life changes, and most importantly...feel in control of your money.
Most other budget apps make you assign every dollar to a budget category. Not. Here.
Tend is designed to perfectly forecast your income and fixed expenses because these are known facts. What's left is available cash to use at your discretion.
Categories waste your time and money.
Do you make purchases on a credit card that you pay off each month?
Well, now you can stop mentally subtracting the balances of your credit accounts from the balance of your checking accounts.
Tend will do that bit for you. It's called your Net Balance.
How much did that vacation, home renovation, or birthday party end up costing?
Track the total cost of one-time events by adding the related transactions to an album. Plan better for next time with the numbers from last time.
Most budget apps place the burden on you to hack the non-monthly expenses into their monthly system.
Tend models your income and fixed expenses exactly as they occur in real life using a calendaring system. Every other week? Every 3 months? Third Wednesdays? Just type in the schedule and let the computer handle the averages and totals for any time period.
Tend's simple budget system will reveal the amount you can freely spend each day (or week, or month). When you don't spend it all during that time period the surplus will be added to your "reserves".
Today you added $24 to your reserves.
Get that dopamine drip from doing nothing at all.
The best budgeters love spreadsheets & calendars. So do we!
But spreadsheets are suited for calculations, not scheduling. And calendars are suited for scheduling, not calculations. Personal finance requires both. Tend does the calculations and the scheduling so that you don't need to know formulas like:
=IF(OR(G$1<$C5,G$2>$D5),"",IF(MOD(DATEDIF($C5,G$1,"m"),$B5),"",$E5))"
