Know what you can spend until payday.
Adjustmint is a checkbook for your phone. You enter what you spend, and it shows what’s really safe to spend, without ever connecting to your bank.
In alpha now. Join as a tester and keep every paid feature free, for life.
Your bank’s balance isn’t what you can spend.
$642.15 at the bank, minus $43.15 that hasn’t cleared, minus $186.40 in bills before payday.
Your bank’s balance doesn’t know about the coffee you bought this morning, or the phone bill that comes out tomorrow. Adjustmint counts both, so the number you see is the number you can spend.
Three balances, each with one job.
What you can spend now
Everything you spend comes off right away, before your bank sees it. Money coming in counts once it’s in your account.
What your bank shows
Only what has cleared. When it matches your bank, you know your records are right.
Everything you entered
Where you’ll be once everything clears.
Will you make it to payday? You’ll know.
Add your bills and when you get paid. Adjustmint lines up what’s due before your next paycheck and shows what’s left to spend.
- Bills enter themselves on their due date.
- If a bill would take you below zero, you see it days before, not after the fee.
- Your paycheck counts once it clears. Never before.
How it works
Enter it when you spend.
Type the payee and the amount. It takes a few seconds, and it remembers the rest next time.
Clear it when it reaches your bank.
Check it off against your bank’s app, one tap each.
Watch your way to payday.
See what’s safe to spend and what’s due before your next paycheck.
We never connect to your bank.
No bank login, ever.
We never ask for account or card numbers.
Not for sale.
We don’t sell your data, and there are no ads.
Yours to take.
Export everything, or delete your account and everything in it, any time.
Stored securely.
In the United States. Read our privacy note
I built this because I needed it.
In the early 2000s I was a young professional living paycheck to paycheck, and I was overdrawn more often than I’d like to admit. So I built the first version of Adjustmint for myself. Writing down every purchase and watching three balances stopped the overdrafts. I used it for years, until I didn’t need it anymore.
That’s my hope for you, too: use it until you don’t need it.
Simple pricing.
| Feature |
Free
$0 for good
Request an invite
|
Road to payday
$2.99 a month
or $29.99 a year (save $5.89)
Request an invite
|
Pro
$4.99 a month
or $49.99 a year (save $9.89)
Request an invite
|
|---|---|---|---|
| The register | |||
| Unlimited transactions | Included | Included | Included |
| The three balances and clearing | Included | Included | Included |
| Accounts | One checking account | As many as you need | As many as you need |
| Export any time | Included | Included | Included |
| Road to payday | |||
| Safe to spend until payday | Not included | Included | Included |
| Bills that enter themselves, with a warning before you’d overdraw | Not included | Included | Included |
| Moving money between accounts | Not included | Included | Included |
| Credit cards, set aside as you spend | Not included | Included | Included |
| Reports | |||
| This month: where your money went | Included | Included | Included |
| Every month, compared | Not included | Not included | Included |
| What you usually spend, by group | Not included | Not included | Included |
| Targets, with suggestions that put money back in your pocket | Not included | Not included | Included |
Pro
Everything in Road to payday, plus:
- Every month, compared
- What you usually spend, by group
- Targets, with suggestions that put money back in your pocket
Road to payday
Everything in Free, plus:
- Safe to spend until payday
- Bills that enter themselves, with a warning before you’d overdraw
- More than one account, and moving money between them
- Credit cards, set aside as you spend
Free
- One checking account
- Unlimited transactions
- The three balances and clearing
- This month: where your money went
- Export any time
These prices start when Adjustmint opens to everyone. Join the alpha now and it’s free for life, every plan included.
Questions
Why don’t you connect to my bank?
You don’t need to, and it’s safer. Entering things yourself is what makes you notice them, and there’s no bank login for anyone to steal.
Is this a budgeting app?
Not really. A budget plans the month. Adjustmint answers a simpler question: what can I spend right now, and will I make it to payday?
What if my pay isn’t on a schedule?
The free register still works: the three balances keep you from overdrawing. Road to payday needs a payday to count to.
Does it work on my phone?
Yes. It runs in your phone’s browser, and you can add it to your home screen like an app.
Can I use it for credit cards?
Yes, with Road to payday. Add your card, and every purchase on it is set aside in the checking account that pays it, so what’s safe to spend already counts it. The card’s payment enters itself on its due date.