Most budgeting apps think in months. Your employer doesn't.

If you are paid every two weeks, a monthly budget is a guess you redo every time a bill lands in the wrong half of the month. Atom Budget starts from your actual paydays instead. It works out how much of each paycheck is already spoken for, so the number you see is the number you can spend.

HOW IT WORKS

Add your paycheck and how often it arrives. Add your bills and when they are due. That is the setup.

After that, every bill is spread across the paychecks that arrive before it. Rent on the 1st. Car payment on the 12th. The electric bill that turns up whenever it feels like it. By the time each one is due, the money has been set aside a little at a time, and whatever is left over is genuinely yours. We show you that number instead of making you work it out.

Two incomes in the house? Bills split across both, in proportion. Splitting rent with someone? Enter your share and the math follows.

THE BUDGETING PART IS FREE

Not a trial, and not a crippled version. No card, no countdown.
- Unlimited incomes and expenses
- Weekly, biweekly, twice a month, monthly, quarterly and yearly schedules
- Every bill split across the paychecks that fund it
- What you should have set aside, right now
- Savings goals, with the exact date you can afford the thing
- Calendar view, categories, colors, one-off adjustments, pausing
- Export your whole budget any time, as JSON or CSV
- The same account works on the web

ATOM BUDGET PRO, $8 A MONTH

Pro puts your bank in the loop. It reads your recurring bills and paychecks from your statements, so you are not typing them in from memory and hoping you remembered them all.
- Connect your accounts securely and read-only, through Plaid
- You review every bill we find before it joins your budget
- New recurring activity flagged as your bank reports it
- Your real balance checked against your plan
- An email if you drop below what the plan needs
- Give five friends a month of Pro, free

Eighty dollars a year if you would rather pay yearly. Cancel any time in the app, and cancelling keeps your budget and everything you imported.

WHAT WE DO NOT DO

We never move your money. We cannot, and we do not want to be able to.
We do not sell your data, and there are no ads or analytics in this app. It asks for internet access, and for permission to notify you only if you turn a reminder on.
We also do not ask you to log every coffee at the end of the day. Atom Budget is built to be opened on payday and left alone the rest of the time.

Atom Budget is available in the United States.