Stop worrying about money. Finally.
Most budgeting apps want you to do the work. BFTW does it for you.
iOS · Web & Android coming soon
[Screenshot: Home screen, Safe-to-Spend number front and center]
It's not you. It's the apps.
There are really only two kinds of budgeting app, and both leave you stuck.
The first just watches. It sorts your spending into tidy charts and hands you a report that confirms what you already feared, and changes nothing. Now you're better informed and no better off.
The second wants a commitment. Categories to learn, rules to follow, every dollar to assign. It genuinely works, for people who don't mind budgeting as a hobby. For everyone else, it's the app you deleted by March.
Neither one answers the question you actually opened it to ask: can I afford this right now?
Three screens. One job each. That's the whole app.
[Screenshot: Track screen, quick entry + Safe-to-Spend updating]
Track
Log what you spent, or connect your bank and let it sync. Either way, you see one thing that matters: what's safe to spend for the rest of the week. Your rent, subscriptions, and other recurring bills are already set aside. You never have to mentally subtract them again.
[Screenshot: Review screen, weekly grouped transactions]
Review
Your spending, grouped by week, so the pattern shows itself. No digging, no reports to build. Just a clear look at where this week went and how it stacks up against the last few.
[Screenshot: Analyze screen, nested donut chart, mid-zoom]
Analyze
When you want the full picture, the breakdown is right there: a zoomable view that goes from recurring vs. discretionary, down to category, down to the individual spend. Tap in as deep as you're curious, back out when you're done.
Built around one idea: only manage the money you can actually change.
[Screenshot: Safe-to-Spend number]
Safe-to-Spend
One number, always current. Open the app and you have your answer in under three seconds: can I afford this? No math, no menus.
[Screenshot: Recurring bills auto-detected]
Your bills handle themselves
Recurring expenses are detected and set aside automatically. They're deducted from your week, not added to your to-do list. You stop budgeting for the things you were always going to pay anyway.
[Screenshot: Weekly spending view]
Built around your week
You don't lie awake worrying about your monthly budget. You worry about whether you can cover dinner on Thursday. BFTW works the way that anxiety actually works, one week at a time.
[Screenshot: Simple category view]
One to three categories, on purpose
Most apps bury you in categories until tracking becomes a chore. BFTW keeps you to a handful, few enough to actually keep up with but enough to see what's really going on. Less to manage means you'll still be using it next year.
If budgeting apps usually beat you, this one's built for you.
- You've downloaded a budgeting app before (maybe a few) and quietly stopped opening them.
- You want clarity, not a spreadsheet, a methodology, or a new identity as a "budgeter."
- You mostly just want to know, day to day, that you're going to be fine.
It's the everyman's budgeting app: low-friction, jargon-free, and designed for people who'd rather think about money for thirty seconds a day than thirty minutes.
Three good apps. Three different goals.
YNAB
For people who want to master their money.
Monarch
For people who want to see all their money in one place.
BFTW
For people who just want to stop worrying about it.
They're all worth using, if their goal is your goal. The honest difference is effort. The others reward the time you put in. BFTW is built to ask for as little of your time as possible and still leave you knowing exactly where you stand. Lower learning curve, lighter daily ask, same peace of mind.
If you want to optimize every dollar, you'll outgrow us, and that's okay. If you've tried that and bounced off, that's exactly why we exist.
One price. The whole app. Zero risk to find out.
Try it for 6 weeks. If it's not for you, we'll refund every cent. No hoops, no exit survey, no hard feelings.
No free tier that hides the good parts. No upsells. You get everything from day one for one straightforward price that costs less than the alternatives.
We're confident enough in the app to let you use all of it and decide for yourself.
$1
/week$52 / year, billed annually
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Safe-to-Spend
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Bank sync via Plaid
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Automatic recurring detection
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Weekly spending breakdown
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Full category analysis
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Ad-free, data stays yours
Why we charge at all: connecting securely to your bank costs us money on every account. Charging a fair price means we answer to you (not advertisers), so BFTW stays ad-free and never sells your data.
Common questions
Is there a free version?
Is my financial data safe?
Do I have to enter everything manually?
Is it only on iOS?
How is this different from YNAB or Mint?
Stop wondering if you can afford it. Start knowing.
Join the early-access list and you'll get first access at launch, plus a founding-member price we won't offer again.
No spam. Just a heads-up when it's ready.