Paycheck-first budgeting

Plan every paycheck, not just the month.

Forward shows what you've planned (Assigned) next to the cash you actually have (Funded), one paycheck at a time.

Start free

Free forever to start No credit card How to get started →

Forward's Budget tab on a phone for November 2026: Left to assign $0.00 and Left to fund $1,415.50 at the top, then each category's Assigned and Available amounts
10,000+ automated tests on every change
Passkeys + MFA sign in with Face ID, no password to steal
Your household only locked to your household
5 minutes to import from YNAB or EveryDollar
Funded vs. Assigned

Two numbers, so you never spend money you don't have yet.

Assigned
What you plan to spend. November's $1,395 rent is planned in full, across both of the month's paychecks.
Funded
The cash that's actually there. $697.50 so far, from the first paycheck you confirmed. The second paycheck is planned to cover the rest.
You decide
Forward never turns a plan into money by itself. You confirm every paycheck before it's spent.
Rent's category sheet in Forward: Assigned $1,395.00, Funded $697.50
What's in Forward

Everything a paycheck needs.

Paycheck Planner splitting Alex's Nov 13 paycheck across rent, giving and bills

Paycheck Planner

Split each paycheck across rent, giving and bills before you spend a cent.

A grocery receipt split across categories, item by item

Receipts Members

Snap or forward a receipt. Forward matches it and splits the items for you.

Inviting a partner into the household

Budget together

One household, two people, one plan, with a record of who changed what.

See all features →
AI assistants Members

Connect your AI assistant to your budget.

Ask in plain words and get answers from your real numbers. The assistant works only with the budgets you pick, and you can disconnect it any time.

Can we cover December's rent if Sam's next paycheck is short?

Rent is $1,395.00 and $697.50 is already funded from Alex's Nov 13 paycheck. Alex's Nov 27 paycheck is planned to cover the other $697.50, so Sam's paycheck isn't needed for rent.

Works with Claude, ChatGPT and any assistant that supports MCP, the open standard for connecting apps. How to connect →

Secure sign-in

Sign in with your face, not a password.

Use a passkey with Face ID, Touch ID or your device PIN. There's no password to guess, reuse or phish.

  • Passkeys on every device you use, each one named so you can remove it later.
  • Multi-factor sign-in with any authenticator app, required before you link a bank.
  • Or continue with Google, if that's how you already sign in.

How sign-in is protected →

Forward's sign-in screen with Sign in with a passkey and Continue with Google
Built to be trusted

Your money deserves software that's tested like it matters.

10,000+

Tested on every change

More than 10,000 automated tests run before any change ships, including tests that throw thousands of generated budgets at the math.

Nothing is erased

Every change is recorded. Undo adds a new entry instead of rewriting history, and closed months stay closed.

Your budget stays yours

Our team can't open your budget unless someone in your household shares it with support from the Household screen. That access ends after 14 days, and you can end it sooner. The one exception is fixing an outage that affects everyone, and every use of it is logged.

How we protect your data →

Switching?

Bring your YNAB or EveryDollar budget in five minutes.

Accounts, categories and balances come across, and you check every number before anything is saved.

See the import guide
The import's review step: every account and category balance checked before anything is saved
Founding Membership

$79 for two years

Then $79 a year, locked for as long as you're a member.

That's about $3.29 a month for your first two years.

Pay $79 today and your first two years are covered. Then $79 a year, automatically, at your locked price.

Get Started Free

Founding membership is offered from your Household screen once you've signed up — free to start, no credit card needed.

Pricing

Free to plan. Founding members get everything.

The paycheck-first planner is free, forever, for you and your partner. The founding membership adds bank sync, receipts and your AI assistant, and locks tomorrow's price today.

Basic Tier

Strict, hands-on ledger control

Free Forever
$0 / month
  • The full paycheck-first planner: manual transaction entry, Funded vs. Assigned, and zero-based forecasting.
  • Import & export: bring in a CSV, YNAB or EveryDollar budget, and take your data with you any time.
  • Any number of budgets, two people, unlimited history.
  • Bank sync, receipts and your AI assistant

Bank sync, receipts, your AI assistant and a third person are where the membership starts.

Get Started Free
Recommended

Founding Membership

Offer closes January 31, 2027

Founding Offer
$79 for two years · then $79 a year

That's about $3.29 a month for your first two years.

Pay $79 today and your first two years are covered. Then $79 a year, automatically, at your locked price.

  • Add a third person to this household
  • Bank sync, receipts and your AI assistant, included
  • Full refund within 60 days, no questions
Start free, upgrade inside · $79

Side-by-Side Comparison

Feature Free Forever Founding Membership
Household You and your partner A third person, and more
Bank sync, receipts & AI assistant Not included Included
Budgets & history Any number of budgets, unlimited history Any number of budgets, unlimited history
Price $0, forever $79 for your first two years, then $79 a year, locked for as long as you're a member
Works on your phone today

Open app.forwardbudget.app on your phone: iOS Safari → Share → Add to Home Screen. Android Chrome → menu → Install app. No store, no download.

Native iPhone and Android apps are planned for 2027. Founding members get them first.

Ready to plan your next paycheck?

Start free
Get the founding-offer updates

One email before the offer closes on January 31, 2027 — nothing else.