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BudgetSpoke is a per-paycheck budgeting application that helps users track their finances according to their pay cycles rather than calendar months. The service uses cash-basis accounting to calculate a "safe to spend" figure by subtracting unpaid bills, current cycle budgets, and amounts needed for future pay cycles from available funds. It offers features such as balance forecasting, debt payoff planning, savings goals tied to target dates, bank account import, and support for both single earners and couples. The platform is available as a free account with no credit card required to get started.
- Website
- budgetspoke.com
- Categories
- Computer software