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
+
Reserve
$18,500
Savings & investments - don't touch
=
Bank Shows
$19,740
One confusing number
Know What You Can Spend
Your Operating balance shows only the money that's truly free - not tangled up in savings or upcoming bills.
Protect Your Reserve
Savings accounts, investments, and any account you designate as off-limits live in your Reserve - clearly separated from spending money.
Bill Balance Tracker
See exactly how much of your operating account is already claimed by recurring bills and subscriptions this pay period.
90-Day Forecasting
See projected balances 30, 60, or 90 days out based on your actual bills, income cycles, and spending habits.
Bank-Level Security
Connected via Plaid.256-bit encryption. Read-only - TIYL sees your data but never moves money.
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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