The practical way to organize your personal finances.
Track your spending, rely on a "one-number" budget, see all your balances, get reminders for irregular expenses, and simulate major life changes. Feel confident about your finances.
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 are actually wasting your time and money.
Stop mentally subtracting your credit balance from your checking balance. The balance breakdown reveals exactly how much surplus cash you have today.
This is how we break it down:
How much did that vacation actually cost?
Track the total cost of one-time events by adding related transactions to an album. Use the numbers from the last event to plan more accurately for the next one.
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))"
This is real.
