You hate keeping a budget. We do too.

Welcome to Lazy Budgeting.

With every transaction, your checking balance is visually organized into stacks for Spending, Bills, and Goals.

How it works

Monthly Bills 2.png — Priority #1: Bills

Every payday, we automatically earmark money for your monthly bills so you don't have to budget for them.

Priority #2: Spending

Every payday, we earmark money for everyday spending until next payday. We update it everyday so you know what you can afford—overspend and your budget goes down, underspend and your budget goes up!

Rainy+Day+2.jpg — Priority #3: Goals

Every payday, we automatically earmark an amount you can afford to accomplish your financial goals. First is *Pay off debt*, then *Build an Emergency Fund*, and finally *Invest*.

Try it out for yourself—click one the stacks below

What our users are saying

Testimonials

“Hey. I was just looking at my money history. In October of 2017 I had $14,519 in credit card debt. A year later, I have $0 debt and $14,701 in savings! Thanks for all you do 🙏🏼”

-JW

“The System has been incredibly helpful in keeping me on track with my daily and long-term financial situation. I have a better overview of my spending and saving and can make smarter decisions about my finances.”

- Dina

“The System is more than a money management app, although it does that beautifully. Its visualizations of my income, bills, and savings have given me a much better sense of how my finances work and how to take control of them.”

- Jake

“I stumbled into The System during a dark time in my personal finance life. With over $35,000 in debt I was drowning with barely enough money to eat. The System stepped in and guided me to afford living, build an emergency fund that's rescued me three times, and pay off half my debt in a year. My future is much brighter than the days of $12 to spend for a week. The System team will always have a special place in my heart as my catalyst to financial freedom.“

- Melanie