We get it. Budgeting can suck.
So we boiled it down to one number.
Atom Budget tells you how much to keep set aside for your bills, so every one of them gets paid.
Try it with your own numbers first. No account needed ↓
On the web and on Android. Get it on Google Play
See it in action.
One bill. Two paychecks.
Watch it split.
Say you are paid every other Friday and rent is $1,200 on the 1st.
You are paid every two weeks. Two checks land in a typical month.
Rent is $1,200, due on the 1st.
Atom Budget splits it across the checks that land before it. $600 from each.
By the 1st, the full $1,200 is sitting there. No scramble.
Whatever is left of each check is yours to spend, guilt free.
Works the same for every bill you add.
Try it with your numbers ↓Most budgeting apps
look backwards.
They tell you what you spent. Atom Budget tells you what to do, before money leaves your account.
The number no
tracker can tell you.
A bill due in three weeks is already partly yours to save for. Atom Budget works out how much of it each payday carries, and adds it up across every bill you have.
so each one carries $385.
Try it with your numbers.
No account needed.
This is the real engine, running in your browser. Type in a paycheck and a few bills and watch the next check split. What you enter comes with you when you sign up.
Built for how you
actually get paid.
Most budgeting apps assume you get paid once a month. Atom Budget handles any schedule.
Your paycheck,
already divided.
Before you touch a dollar, Atom Budget shows you exactly how to split it. Its share of every bill coming up goes into what you keep set aside, and the rest is free to spend.
See which paychecks
are tight.
Every payday for the next twelve months, and what each one is already carrying before it arrives. The tight ones stand out months ahead, while there is still time to do something about them. Home warns you about the tightest one for free; the full year is part of Pro.
See the whole month
at a glance.
Every income and expense plotted on a calendar. See what is coming, when it lands, and how each paycheck carries the days that follow it. Your paydays and bills can show up in Google Calendar, Apple Calendar or Outlook too, kept up to date on their own.
The exact day you
can afford it.
Name the thing, pledge a little from every paycheck, and Atom Budget tells you the date you will have enough. Bills come first, always, and the pledge only takes what is genuinely left.
- Your bank in the loop. On Pro, the bills and paychecks that repeat in your statements are found for you, and you review every one before it lands.
- Budget together. Invite a partner or roommate with a link. You each sign in with your own login, see the same bills and paychecks, and tick them off as they are paid. Either of you can leave at any time and take a copy of the budget.
- Any schedule. Weekly through yearly. A quarterly bill accrues across three months instead of ambushing you, and a short month never quietly skips a payment.
- Goals, counted when you choose. Home's number can include what your savings goals are holding, or leave it out. One tap on its heading switches.
- Categories and colors. Group bills into housing, transport and the rest, and give each one a color that follows it everywhere.
- When this month is different. Change one occurrence without touching the bill, or pause something while it is on hold.
- The same plan in your pocket. A phone app built for a phone rather than a shrunken website.
- Email worth opening. We write when your balance drops below the plan, a bank connection needs you, or a renewal is coming. Never otherwise.
- Your data is yours. Download the whole budget any time. Cancelling keeps everything, and deleting your account really deletes it.
The budgeting part
is free. Properly free.
Not a trial, and not crippled. Everything above except the parts marked Pro works with no card and no time limit. You only pay if you want Atom Budget checking your plan against your actual bank balance, and the year ahead that comes with it.
- Unlimited incomes and expenses
- Every schedule: weekly, biweekly, twice a month, monthly, quarterly, yearly
- Every bill split across the paychecks that fund it
- Two incomes? Bills split across both, in proportion
- Share the budget with a partner or roommate, each with your own login
- What you should have set aside, right now
- Savings goals with the exact day you can afford the thing
- Your year in review each December: every paycheck and bill, and a picture to share
- Calendar view, categories, colors, one-off adjustments, pausing
- A printable sheet for any paycheck, with a box to tick beside every bill
- If I am not here: every bill, where and how it is paid, on one printed plan for your family
- Bring your history from YNAB, Monarch, your bank or a spreadsheet, read on your device
- Export your whole budget any time
- On the web and on Android
- Your bank accounts connected, read-only, and your partner's too when you share a budget
- Your recurring bills and paychecks found in your statements, so you never type them in
- New recurring charges spotted as your bank reports them
- Bills check themselves off when the payment posts, usually the same day
- Your real balance checked against the plan, every day
- A notification when your balance drops below what your bills need
- A heads up the moment a bank connection breaks
- The year ahead: every paycheck for the next twelve months, with the tight ones flagged, and where each one goes
- Each paycheck measured against a spending target: 50/30/20, or a split of your own
- A budget health score for the month, with what is pulling it down
- A trusted person who can see your bills and tick them paid when you cannot, never your balances
- Give five friends a month of Pro, free
Stop guessing.
Start knowing.
Your next bill is coming. Know what to keep set aside for it before it is due.