A sentence.
A starting point.
Build a budget for me.
Groceries $650
Dining $250
Ready for your reviewYour spending history becomes a proposed plan.
Meet the new Chip In BudgetsYour money.
Your money.
Your rules.
Your kind of budget.
A simple spending plan. A flexible everyday pool. A job for every dollar. Or a plan that follows payday. Bring your own approach—and let Chip In help you make it happen.
Solo or together Web + mobile Light + dark
A clearer everyday plan · Illustrative demo
A whole toolkit, working together
Big plans. Beautiful little details.
Drag or swipe to explore
A sentence.
A starting point.
Build a budget for me.
Groceries $650
Dining $250
Ready for your reviewYour spending history becomes a proposed plan.
Find your
budgeting style.
SimpleFlexZero-basedPaycheck
Different approaches. The same connected workspace.
Make today's
choice clearer.
SAFE TO SPEND TODAY$54.00Your cushion stays protected
A daily estimate shaped by your plan and the time left.
Your intentions.
In action.
Dining reaches 80% Alert me + move $50
Turn your intentions into rules you review and save.
From every week
to someday.
Summer trip$1,200Save by June
Six target types for everyday spending and future plans.
Give leftovers
a next chapter.
FUN MONEY$75 left
TRIP FUND+$75
Carry, cap, sweep to savings, or reassign budget money.
More than
a category.
Categories, merchants, tags, accounts, bills, and more.
See how your
plan is working.
Follow trends, spot patterns, and open the details.
Your plan.
Your sharing choices.
View together. Edit by choice.
Personal and household plans with clear permissions.
A little nudge.
A useful check-in.
Your weekly budget 8 lines on track 1 needs a look
Daily or weekly emails and updates when things change.
Illustrative feature previews
Four approaches. One place.The best budget is
The best budget is
the one that fits you.
Choose a method for each plan. Keep it simple, give yourself flexibility, assign your income, or plan between paydays.
A target. A clear next step.
Set a target for each category or spending rule. See what is left and which lines need a closer look.
Structure, with breathing room.
Plan fixed bills and non-monthly costs, then use one flex pool for everyday spending. Keep a cushion out of your daily allowance.
Give every dollar a job.
Assign income across your plan and see what is left to budget. Move assigned money between lines when priorities change.
Make a plan until payday.
Plan around your pay cycle. Account for committed bills before the next payday when estimating what is safe to spend.
Your calendar, too. Choose a cadence and starting date that fit.
MonthlyTwice a monthEvery 2 weeksWeekly
All Access Your words. Your plan.Ask in English.
Ask in English.
We'll draft your budget.
Tell Chip In what you want to make room for. The budget assistant uses your spending history, income, and existing plan to turn that request into a concrete proposal.
- Build a budget from your recent spending
- Explain what changed and what needs attention
- Explore what-if changes and rebalance targets
You get the final say. Review the proposed amounts and their context. Nothing changes until you apply it.
Building a budget with AI, explanations, and what-if answers are part of All Access. AI automation drafting and Rebalance with a preview are free, with a generous daily allowance.
From a sentence to a starting point · Illustrative demo
BUILD
“Build my budget from the last three months. Keep groceries under $650.”
UNDERSTAND
“Why is dining at risk this month?”
EXPLORE
“What if I cut dining by $50 and put it toward my trip?”
Say it once. Put your plan to work.A budget that knows
A budget that knows
what to do next.
“When dining reaches 80%, alert me and move $50 from fun money.” Write the rule in a sentence, review the interpretation, and save it. Or build it yourself with the rule editor.
WHEN
A line reaches a threshold, goes over, is on pace to go over, or the period closes.
THEN
Alert me. Email me. Notify my partner. Pause the line. Move assigned budget money.
Drafting from a sentence is free, with a generous daily allowance. Rules run when the budget is evaluated, including after new transactions arrive. Partner notifications stay within shared plans. Money moves reassign budget amounts; they do not transfer money between bank accounts.
Your rule, in motion · Illustrative demo
Small details. A much more personal plan.Budget for the way
Budget for the way
you actually spend.
Go beyond category limits. Decide what a line counts, how its target works, and what happens to the money left over.
Your category. Your favorite store.
Your very specific rule.
Track spending by category, detailed category, merchant, tag, account, recurring bill, or a custom transaction rule.
Groceries Costco Date nights Joint card Subscriptions Amazon purchases over $100
Add to budget from a transaction, merchant, category, bill, or report row.
Six ways to set the target.
- Set amount
- A steady target every period
- Refill to
- Top back up to your chosen amount
- Save by a date
- Build toward a cost, with optional repeats
- Share of income
- A percentage of what comes in
- Rolling average
- A target based on recent periods
- Just track
- Follow spending without setting a limit
03 / WHAT HAPPENS NEXT
Let the leftovers do something useful.
Start fresh each period, carry the balance, limit carryover with a cap, or sweep positive leftovers into a savings line. Give fixed costs, flex spending, non-monthly costs, savings, and debt their own place in the plan.
Start freshCarry overCarry, cappedSweep to savings
A useful next chapter for leftovers · Illustrative demo
See the next turn comingKnow what's left.
Know what's left.
See what's ahead.
Your budget health, daily spending room, and period-end forecast sit together. Spot a line that is running hot while there is still time to change course.
- A health score and clear “needs a look” priorities
- Safe-to-spend estimates with your cushion held back
- Spending pace, forecasts, and next-period carry
- Open a line to see the transactions behind it
Forecasts and safe-to-spend figures are estimates based on available data and your plan. They change as spending changes.
Today's spending. Tomorrow's outlook. · Illustrative demo
One plan. A longer view.Build it in Budgets.
Build it in Budgets.
Understand it in Reports.
Zoom out across your plan's own periods. See where you stayed on track, what drove the gaps, and how everyday choices added up.
- Budgeted versus spent, variance, and spending pace
- Line-by-period heat maps, streaks, and scoreboards
- Rollover, savings goals, and budget money moves
- Transaction drilldowns and Excel, CSV, or PDF exports on web
See the pattern behind the period · Illustrative demo
On your own. On the same page.A plan for you.
A plan for you.
Room for the two of you.
Keep a personal plan or budget with your household. See your spending and your partner's shared spending, and choose whether they can view a shared plan or also edit its lines and targets.
Shared views respect each person's account and transaction sharing choices.
KEEP YOUR PLAN CLOSEThe right nudge.
The right nudge.
At the right time.
Choose daily or weekly budget emails, set your delivery schedule, and turn on alert emails. See threshold, over-budget, at-risk, and back-on-track updates in your notification center.
In-app alertsDaily digestWeekly digest
A little intention.
A lot more possibility.
Start with a plan that fits your life. Add the intelligence to help it evolve.
Animated examples use illustrative amounts. Building a budget with AI requires All Access; everyday AI is free, with a generous daily allowance.