Set up in an afternoon. Then it runs itself.
Three steps. The first two happen once; the third is a number you read on a Monday.
Step 1
Connect your accounts
Almanac reads 18 months of transactions so it can see an annual cost twice and confirm the cycle rather than guess it. Bank connectivity would be handled by a third-party data aggregator, and coverage varies by institution1.
Step 1 of 3 · Secure connection
Choose your bank
Credentials are entered with the aggregator, not with Almanac.
Step 2
Confirm what repeats
Almanac proposes the costs it found. You keep the ones that are real and drop the rest. Switch one off and the year rebuilds beside you.
- $1,400 each time
- $620 each time
- $1,200 each time
- $500 each time
Weekly number: $153
| Month | Coming in | Going out | Left over | Note |
|---|---|---|---|---|
| January | $5,200 | $5,920 | −$720 | Quarterly tax, Software renewals due this month |
| February | $5,200 | $3,900 | $1,300 | Nothing unusual planned |
| March | $5,200 | $3,900 | $1,300 | Nothing unusual planned |
| April | $5,200 | $5,300 | −$100 | Quarterly tax due this month |
| May | $5,200 | $3,900 | $1,300 | Nothing unusual planned |
| June | $5,200 | $5,300 | −$100 | Quarterly tax due this month |
| July | $5,200 | $3,900 | $1,300 | Nothing unusual planned |
| August | $5,200 | $5,100 | $100 | Laptop fund due this month |
| September | $5,200 | $5,300 | −$100 | Quarterly tax due this month |
| October | $5,200 | $3,900 | $1,300 | Nothing unusual planned |
| November | $5,200 | $3,900 | $1,300 | Nothing unusual planned |
| December | $5,200 | $4,400 | $800 | Holiday gifts due this month |
Step 3
Follow the weekly number
Every Monday, one amount. Set it aside wherever you keep savings. Almanac tracks which cost each week is filling, so you can see that October is covered before October arrives.
Almanac
Set aside $64 this week and October's insurance is covered.
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
Questions about setup
See the three steps with real numbers.
The demo runs the whole flow on sample data. Nothing is connected or saved.