Every pay, fully planned.
Each pay is split on its payday: the household bills, the spending, the savings. Whatever’s left goes to your own savings, so nothing goes astray.
CECILY
Budget
Cecily Budget gives every dollar of every pay a job. Tell it what comes in and what the household needs, and it plans the transfers that keep each account ready for what it has to pay.
For Mac.
Each pay is split on its payday: the household bills, the spending, the savings. Whatever’s left goes to your own savings, so nothing goes astray.
Yearly bills, groceries, repairs, the holiday, emergencies. Each has its own account and its own top-up, and Cecily checks that each one can cover what it pays.
Type in the balances your bank shows. Cecily reads each one against the least it should hold, and tells you what’s left of each pay to move to savings.
Cecily never moves money and never asks for your banking password. It gives you a plain list of the transfers to set up at your bank, and you make them.
Raise a bill or add a goal, and see what it does to your balances, your goals and your transfers before any of it counts. Apply it when you’re happy.
Save towards the things that matter, each with its own target and date, and see whether you’re on track.
Tell Cecily about your pays, your bills and how you share costs. It suggests the accounts to match.
Cecily lists each transfer to set up at your bank, how much and how often. Set them up once, and the regular ones run on their own.
On the household’s day, enter what your bank shows. Cecily says what needs attention and what’s left to save.
Share costs in proportion to income, equally, or by set shares.
Share the household through iCloud with the people you live with.
A contingency for bills that turn out higher.
Your emergency fund, counted in months of spending.
A diagram of how money flows from each pay to each account.
The year’s bills, month by month.
A history of who changed what.
Automatic backups.
No sorting purchases into categories. Your balances do the work.