Tend is for people with full lives who need clear visibility of their household finances without the burden of traditional budgeting.
Managing money needs to be
Radically Simpler
The budget app with only 5 categories.
We got tired of maintaining a giant list of categories in the other budget apps, so we thought hard and discovered the only 5 you'll ever need.
Tend uses the Kakeibo budgeting method
developed by Japanese housewives in 1904.
It works like this:
-
1. Calendar all your income sources for the year.
-
2. Calendar all your fixed expenses for the year.
-
3. Calendar what you will save for special things for the year.
-
4. See what's left for discretionary expenses.
Don't lose sight of the big picture.
A single, true limit will always be more effective than dozens of arbitrary ones.
This Week's Discretionary Spending
| Allowance | $980.00 |
| Spent | $350.21 |
| Result | $629.79 |
A new week starts Monday
The discretionary allowance is the amount you can safely spend and still have your fixed expenses covered.
How much did that trip cost?
Create a transaction album to hold all the expenses related an event.
Easily track the total cost of trips, home projects, or parties.
Watch a 7 minute demo.
All your balances in one place.
Main Checking
Chase • Spending • synced 11 minutes ago
$14,098.23
Sapphire
Chase • Spending • synced 1 minute ago
Travel Rewards
Bank of America • Spending • synced 1 minute ago
$-3,130.38
Upcoming Infrequent Payments
Car Insurance
Oct 31, 2025 • in 1 day
1Password Subscription
Dec 29, 2025 • in 2 months
Amazon Prime
Jan 29, 2026 • in 3 months
Property Taxes
Apr 29, 2026 • in 6 months
Surprises are great!
...except when they are bills you forgot.
When you see those big, irregular fixed expenses coming from a mile away, you are going to feel on top of things.
What's a normal month?
There's no such thing.
Other apps will make you hack your expenses into a monthly system. Tend embraces the ebbs and flows of real-life.
Fixed Expense Calendar
You will spend $3,488 on fixed expenses this month.
This is $412 more than your average monthly amount of $3,076.
Show Next 12 Months
Review Every Transaction
Because when you do... you find things!
You'll catch mistakes, double charges, and forgotten subscriptions — save that money.
Humans are notoriously bad at predicting the future.
Tend will not make you budget (a.k.a. "guess") the places where you'll spend your discretionary money like other apps do — but it will show where you spent it.
Your discretionary spending is always analyzed separately from your fixed expenses.
Top Discretionary Merchants
| Merchant | Total |
|---|---|
| Amazon | $507.21 |
| Nordstrom | $200.77 |
| Thrive Market | $169.59 |
| Trader Joe's | $93.43 |
| Matching Half | $76.94 |
Reflect on the past day, week, month, and year to check if your spending is aligned with what's important to you.
And more...
- Know how much that vacation cost by grouping the transactions into an "album".
- Simulate big life changes by creating "What Ifs" and compare them with your current budget plan. (coming soon)
- Be notified when a fixed expense costs more than you expected. (coming soon)
- Add tags to transactions to track the types of transactions you care about. (coming soon)
- Upload documents (like invoices or receipts) to a transaction keeping all your financial docs in one place. (coming soon)
- Add notes to clarify the reason behind a purchase. (coming soon)
- Flag transactions that you want to investigate later. (coming soon)