TIYL shows you exactly what you can spend by separating money that's free to use from money that's protected — and money that's already claimed by bills.
Operating
$1,240
Spend freely today
📋 $2,180 bill balance inside
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Reserve
$18,500
Savings & investments — don't touch
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Bank Shows
$19,740
One confusing number
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Know What You Can Spend
Your Operating balance shows only the money that's truly free — not tangled up in savings or upcoming bills.
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Protect Your Reserve
Savings accounts, investments, and any account you designate as off-limits live in your Reserve — clearly separated from spending money.
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Bill Balance Tracker
See exactly how much of your operating account is already claimed by recurring bills and subscriptions this pay period.
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90-Day Forecasting
See projected balances 30, 60, or 90 days out based on your actual bills, income cycles, and spending habits.
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Bank-Level Security
Connected via Plaid. 256-bit encryption. Read-only — TIYL sees your data but never moves money.
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Zero Complexity
No spreadsheets, no manual entry, no guessing. Three numbers. Total clarity.
✨ Simple, transparent pricing
Financial Clarity for Everyone
Start free for 14 days. No card required. Upgrade when you're ready — cancel any time.
Free Trial
$0/14 days
Get started instantly. No credit card needed.
1 connected bank account
Operating, Reserve & Bill Balance split
30-day transaction history
Basic dashboard
✦ Most Popular
Pro
$9/month
Full clarity for individuals and families.
Unlimited connected accounts
90-day forecasting engine
Savings simulator
Bill calendar with alerts
90-day transaction history
Export to CSV
Pro Annual
$79/year
Save $29 vs monthly. Best value for committed savers.
Everything in Pro
2 months free vs monthly
Priority support
Early access to new features
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