Ground answers the question most budgeting apps make too complicated: how much can I safely spend today?

Your bank balance does not remind you that insurance is due Friday, groceries need to last until payday, or some money belongs to a goal. Ground accounts for those things first and gives you one clear number: Safe to Spend.

No spreadsheets. No shame. Ground combines paycheck planning, expense tracking, bills, savings goals, and debt progress in one honest view.

SAFE TO SPEND WITHOUT THE MENTAL MATH

• See one daily Safe to Spend number after bills, goals, and payday timing are accounted for
• Choose which accounts count toward spending so savings does not accidentally inflate what feels available
• See the number recalculate as expenses, income, bills, and plans change
• Put Safe to Spend on your Android home screen with Ground’s responsive widget

A PLAN BUILT AROUND YOUR NEXT PAYCHECK

• See how many days remain until payday
• Review upcoming bills and expected income together
• Protect important everyday categories such as groceries and gas with Keep First
• See what fits and which decision needs attention next

BILLS THAT TELL THE TRUTH

• Organize bills by due date and receive reminders
• Record partial payments and see the real amount remaining
• Let bank sync mark matching bills paid automatically after payments clear
• Find recurring charges and subscriptions you may want to track
• Break quarterly or annual costs into manageable monthly set-asides
• Connect eligible bills to debts so payoff progress stays consistent

PAUSE IMPULSE PURCHASES WITHOUT THE GUILT

The Parking Lot gives a purchase breathing room. Add it, wait 24 hours, then choose:

• Buy it when it still fits
• Pass and keep the money
• Move the amount toward a goal instead

Ground tracks what you kept by waiting. The goal is a deliberate decision, not shame.

GOALS AND DEBT YOU CAN ACTUALLY SEE

• Build an emergency fund, vacation fund, or any goal that matters
• Record goal contributions and follow progress
• Track debt balances, payments, and an estimated payoff path
• Celebrate Wins when your everyday choices move the plan forward

ASK GROUND IN PLAIN LANGUAGE

Ask questions about your budget and receive straightforward answers based on your plan. Propose changes such as “add a $60 water bill on the 28th,” then review and confirm before anything changes.

Ask Ground is optional budgeting guidance, not professional financial, legal, tax, or investment advice.

TRACK MONEY YOUR WAY

• Connect accounts through Plaid for read-only syncing
• Track everything manually without connecting a bank
• Add expenses from Ground, the Android widget, or your voice
• Include the store, amount, and account when speaking an expense, then confirm it before saving
• Use Ground on Android or in a full web browser
• Share expenses, bills, and goals in Partner mode while keeping personal settings private

BUILT FOR PEOPLE WHO HAVE BOUNCED OFF BUDGET APPS

Ground is glanceable, calm, and honest. It does not require perfect habits. Missed an expense? Pick up where you are. A bill changed? Update the plan.

PRIVATE BY DESIGN

Your bank login credentials never touch Ground’s servers. Plaid handles read-only bank connections. Ground does not initiate bank payments or transfers. Your data is encrypted, never sold, and never used for advertising. Disconnect accounts, export your information, or delete your account and data.

Start with a 14-day trial of premium features, including bank sync and Ask Ground. Manual budgeting and expense tracking remain free.

Ground is a personal budgeting and bank-account aggregation tool. It is not a bank, lender, investment platform, or licensed financial advisor. For major financial decisions, consult a qualified professional.