Know your balance every single day.
Daily Money Finance projects your account balance forward across the calendar, so you always know exactly how much you have today — and how much you’ll have on any future date.
Unlike Mint or YNAB — which look backward at what you already spent — we project forward, so you never get surprised by an overdraft again.
Your data is private to you and can be deleted anytime.
Join 5 people tracking their balance daily.
$3,050.00
$3,050.00
$2,985.80
$2,985.80
$2,970.31
$2,970.31
$2,928.31
$2,928.31
$2,921.81
$2,883.06
$2,883.06
$2,787.66
$2,787.66
$2,787.66
$4,637.66
$4,637.66
$4,577.66
$4,505.56
$4,505.56
$4,505.56
$4,481.56
$4,481.56
$4,481.56
$4,436.56
$4,436.56
$4,346.57
$4,346.57
$4,316.58
$4,316.58
$4,316.58
Daily Balance Calendar
See your projected balance for every day — not just a month-end total.
Accounts & Net Worth
Track checking, savings, loans, and investments with a net-worth trend.
Spending Insights
Visualize spending by category against your daily target.
Subscription Tracking
Scan your inbox for renewals and never lose track of a recurring charge.
Secure Login Vault
Keep your financial logins encrypted and right next to your budget.
Private by Default
Every record is tied to your account and never shared with other users.
How it works
Three steps to never wonder "how much do I have?" again.
Set your starting balance
Enter what you have right now and when you get paid. No bank login required — just numbers.
Add your income & bills
Tell us your paycheck schedule, recurring bills, and subscriptions. Takes about 2 minutes.
See your balance every day
The calendar projects your balance forward so you know exactly what you'll have on any future date.
Ready to see your balance every day?
Create a free account and set up in under a minute.
Get started freeTry our free tools first
No signup needed — see if we can help before you create an account.
Paycheck Calculator
Plan a 30-day budget from your paycheck.
Loan Calculator
See your payoff date and interest.
Debt Payoff Calculator
Compare snowball vs. avalanche.
Savings Goal Calculator
Find out how long to reach your goal.
House Affordability
Know what home price you can afford.
Monthly Budget Calculator
Build a budget from your income.
Your data is protected
We built security into the foundation — not as an afterthought. Here’s exactly how your information stays private.
Encrypted at rest
Stored passwords in the login vault are encrypted with AES-256-GCM. Even if the database were compromised, your vault passwords remain unreadable ciphertext.
Per-user encryption keys
Each account gets its own derived encryption key, so your vault passwords can only ever be decrypted by you — not by another user, not even by a leaked record.
Strict data isolation
Row-level security enforces that every transaction, account, and credential is tied to your account only. No other user can read, edit, or even see your records.
No bank linking
You enter your own starting balance and bills manually. We never ask for bank credentials and never connect to your financial institutions.
Questions you might have
Is it really free?+
Yes. Every core feature — the daily balance calendar, account tracking, spending insights, subscription scanner, login vault, and all calculators — is free. No trial, no hidden paid tier.
Do I have to link my real bank account?+
No. You enter your starting balance and recurring income/bills manually. We never ask for bank credentials, and we never connect to your financial institutions.
How is my financial data protected?+
Three ways: (1) every record is isolated to your account via row-level security, so no other user can access it; (2) login vault passwords are encrypted with AES-256-GCM under a per-user key derived from your account; (3) we never link to your bank, so there is nothing to breach.
Can anyone else see my transactions or balances?+
No. Row-level security is enforced at the database level — your transactions, accounts, and credentials are filtered to your user ID on every query. The only way to see your data is to sign in as you.
What about the login vault — how secure is it?+
Vault passwords are encrypted before they ever touch the database using AES-256-GCM, and each user's ciphertext is encrypted under a distinct key derived from their account. Even if another user somehow obtained your encrypted password, they could not decrypt it because the key is bound to your account.
How is this different from Mint or YNAB?+
Mint looks backward at what you spent. YNAB allocates money into envelopes. Daily Money Finance projects your balance forward day by day, so you know exactly how much you'll have on any future date — before a bill hits or a paycheck arrives.
What happens to my data if I quit?+
You can delete your account and all associated data from the app settings. Everything is permanently removed — no retention period, no data selling, no third-party sharing.
Start managing your money one day at a time.
Create a free account in seconds — no spreadsheets required.
Get started free