See your wholeyear of moneyat once.
Almanac finds the costs that only arrive once or twice a year, spreads them across the months before they're due, and gives you one weekly amount to set aside.
No bank account needed to try it. Bank connections in a live product would come through a third-party data aggregator1.
You're $1,000 ahead of plan.
Dial figures are sample data for a fictional household3.
| Month | Coming in | Going out | Left over | Note |
|---|---|---|---|---|
| January | $5,200 | $4,600 | $600 | Yearly software and domain renewals |
| February | $5,200 | $4,100 | $1,100 | A quiet month. Good time to top up savings. |
| March | $6,380 | $4,300 | $2,080 | Tax refund of $1,180 lands |
| April | $5,200 | $5,020 | $180 | Car insurance, 6-month premium |
| May | $5,200 | $4,200 | $1,000 | Nothing unusual planned |
| June | $5,200 | $6,100 | −$900 | Summer trip. Covered by set-asides since February. |
| July | $5,200 | $4,150 | $1,050 | Nothing unusual planned |
| August | $5,200 | $4,700 | $500 | School supplies and fall clothes |
| September | $5,200 | $4,200 | $1,000 | You're $1,000 ahead of plan. |
| October | $5,200 | $5,000 | $200 | Car insurance again, plus a birthday |
| November | $5,200 | $4,600 | $600 | Holiday travel booked early |
| December | $7,800 | $6,900 | $900 | Gifts and year-end bonus |
How your year works
Step 1
Without a plan
This is the year as it actually arrives. June is a summer trip and December is gifts and travel, so two months carry costs the other ten never see.
Step 2
Almanac spreads the cost
The same costs, paid earlier. Almanac finds them, divides them across the months before they're due, and sets that money aside a little at a time.
Step 3
One number a week
What's left is a single weekly amount. Set it aside and every heavy month is already covered when it arrives.
Monday, 6 October
This week, set aside $0
October's insurance
$590 of $820 set aside
Coming up
- Car insurance · October$820
- Holiday travel · November$640
- Gifts · December$500
One number, every Monday.
Almanac doesn't ask you to track categories or check in every day. It gives you a single amount to set aside each week, and shows you exactly which cost it is filling.
$0
a week covers every irregular cost in the sample year above3.
Monthly budgets hide the year.
A monthly budget
- Twelve separate plans that don't know about each other
- An annual premium lands in one month and breaks it
- Good months feel like luck, bad months feel like failure
Almanac
- One plan covering all twelve months
- Irregular costs paid from the quiet months before them
- A heavy month arrives already covered
Built to pass a compliance review.
Read-only access, always
Almanac would receive read-only credentials through a third-party aggregator. It can see transactions and balances, and it cannot move a cent.2
Encrypted in transit and at rest
TLS 1.2 or higher on the wire, AES-256 in storage.4
Disconnect in two taps
Revoke the connection from settings. Stored transactions are deleted within 30 days.1
“April used to be the month I dreaded. Now it's just April, and the insurance is already sitting there.”
Dana R., freelance illustrator
Fictional testimonial for design purposes. In a live product, testimonials would state whether the person was compensated, and individual results vary.
Try the demo. It takes two minutes and no bank account.
Pick a household, adjust the costs, and watch the year rebuild around them.