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pinchd

FEATURES

Everything works one paycheck at a time.

Here’s what’s in pinchd, and what you get on each plan.

On every screen you own.

Your phone, an iPhone Duo, a tablet either way up, and the web. Same plan everywhere, and it lays itself out for the screen.

pinchd Home: the savings jar, what is still to go out and Bills For
Android phone
Your PlansFor “Fall plan”. Pick the one to follow
Minimum effort
61 monthsNov 2031
Slightly aggressiveSPROUT’S PICK
28 monthsMar 2028
Aggressive
22 monthsSep 2027
Extremely aggressive
17 monthsApr 2027
SLIGHTLY AGGRESSIVE
DEBT FREEMar 202828 months from now
Extra each month$280
Interest you pay$3,910
The one I’d pick: debt free in about two years and your fund still fills.
Follow this plan
iPhone Duo, open
Fall planBills for Fri, Nov 6
SA
SA
Sam & AlexOne budget · both of you tick bills
DUO
RentDue Sat · A ticked
$1,450.00
Car loanDue Mon · AUTOPAYAlex: Called them, it goes out Thursday
$312.00
PhoneDue Tue · AUTOPAY
$85.00
Groceries$87.20 spent · 2 entries
$180.00
LEFT OVER$113.00

WHO TICKED WHAT

AAlex ticked Rent2h ago
AAlex added a note to Car loan20h ago
SSam added $64.20 to GroceriesYesterday
SSam ticked Savings on No. 213Last week
Home
Tablet, portrait
pinchd
Home
Archive
Analyze
Library
You
Analyze
Debt paid so far$9,740Since you started
Visa card28% gonePaid off Mar 2027
Debt freeMar 2028On Slightly aggressive
Total debt, each month$41.1k → $31.7k
J
F
M
A
M
J
J
A
S
O
N
D
Milestone: the Visa card is more than a quarter gone.
Tablet, landscape

THE BUDGET BUILDER

Answer a few questions. Get a real plan.

Your paychecks, your housing, your bills and your debts. pinchd builds a budget around when you actually get paid.

  • Income, housing, expenses and debts, step by step
  • No bank login, ever: you type it, you own it
  • Rebuild any time your life changes
FREE
The builder’s Debts step: each balance, payment and rate
Android phone · the Debts step

BILLS FOR EACH PAYCHECK

Every bill lands in the paycheck that pays it.

Instead of one scary month, you see this paycheck: the bills it covers, and what’s left.

  • Nothing comes due before its paycheck arrives
  • Tick each bill as you pay it
  • Move between paychecks, past and coming up
FREE
Recording · ticking a bill
Bills For: Rent and Car loan stamped Paid, Phone and Groceries due soon
Android phone · Bills For this paycheck

DEBT PLANS

See the date your debt is gone.

pinchd lays out a few plans side by side, from the fastest to the gentlest. Pick the one you’ll actually keep, and watch the date.

  • Every plan side by side
  • Smallest-first or costliest-first
  • A debt-free date you can see
SOLO
Your PlansFor “Fall plan”. Pick the one to follow
Minimum effort
61 monthsNov 2031
Slightly aggressiveSPROUT’S PICK
28 monthsMar 2028
Aggressive
22 monthsSep 2027
Extremely aggressive
17 monthsApr 2027
SLIGHTLY AGGRESSIVE
DEBT FREEMar 202828 months from now
Extra each month$280
Interest you pay$3,910
The one I’d pick: debt free in about two years and your fund still fills.
Follow this plan
iPhone Duo · every plan on the left, the one you picked on the right

HOUSEHOLD

One budget, two people.

Invite someone to your budget. You both see the same paychecks and bills, and the plan stays in one place.

  • Invite with a link
  • See who ticked what
  • On Duo, you both tick bills and make changes
FREE
Fall planBills for Fri, Nov 6
SA
SA
Sam & AlexOne budget · both of you tick bills
DUO
RentDue Sat · A ticked
$1,450.00
Car loanDue Mon · AUTOPAYAlex: Called them, it goes out Thursday
$312.00
PhoneDue Tue · AUTOPAY
$85.00
Groceries$87.20 spent · 2 entries
$180.00
LEFT OVER$113.00

WHO TICKED WHAT

AAlex ticked Rent2h ago
AAlex added a note to Car loan20h ago
SSam added $64.20 to GroceriesYesterday
SSam ticked Savings on No. 213Last week
Home
Tablet, portrait · who ticked what

And the rest of the toolbox.

pinchd
Home
Archive
Analyze
Library
You
Analyze
Debt paid so far$9,740Since you started
Visa card28% gonePaid off Mar 2027
Debt freeMar 2028On Slightly aggressive
Total debt, each month$41.1k → $31.7k
J
F
M
A
M
J
J
A
S
O
N
D
Milestone: the Visa card is more than a quarter gone.
Tablet, landscape · Analyze, with the sidebar

Ask Sprout

Ask questions about your own budget and get straight answers from your own numbers.

SOLO

Analyze

Charts, monthly tiles, milestones and recaps that show how far you’ve come.

SOLO

Calculators

Every calculator you need: paycheck, mortgage, auto loan, student loan, debt payoff and more.

FREE

Canvas

Sketch out a plan, a goal or a what-if on a blank page right next to your budget.

SOLO

Library

Short videos, guides and articles on budgeting, debt and everything in between.

FREE

The Archive

Every budget you’ve ever made, kept and pinnable. Free keeps your 3 newest.

SOLO

Start with one paycheck.

Free plan to start. No bank login, ever.

Join the waitlistSee pricing