Tend Is Now My Full-Time Focus


By James Kerr on

I'm excited to share that Tend is no longer a side project! I'm now working full-time to bring it into the world, and I'm more convinced than ever that it needs to exist.

The Problem with Budget Apps

I've only ever seen two types of budget apps:

  1. Zero-effort (or so they claim)
  2. Very-high effort

The first type you don't trust because you didn't review anything. The second type? Nobody with a job, family, or hobbies has time to split hairs over "was this Target purchase for shopping or personal hygiene?"

Tend is the "very-low, but not zero" effort budget app. We give you a light structure for your spending using just a few crystal-clear categories:

  1. Fixed — you previously committed to paying for these
  2. Discretionary — you had a choice in paying for this
  3. Special — you pulled from savings to buy something big

(I'm considering a 4th category for "Unexpected" expenses—parking tickets, ER visits, things you'd pull from your emergency fund to cover.)

What's New

If you haven't tried Tend recently, a lot has changed! 🎉 You can now:

  • Connect to banks — automatic transaction imports
  • Review & categorize transactions — quick, painless sorting
  • Reflect on your finances — see your income/expenses/savings by month, week, or day
  • Create transaction "albums" — track total costs of projects or vacations

Join Me 🚀

I'm on a mission to make managing my own money fun, quick, and insightful—so I can know the numbers, then get back to my life.

Ready to try a different approach to budgeting? Sign up for Tend and see what "very-low effort" budgeting feels like.

Need help getting started? I'd love to hop on a call and walk you through everything. Just reach out and I'll send you a link. 💬