A target for
the everyday.
Set clear targets for your categories or spending rules. Follow each line and see what's left.
Keep it simple. CHIP IN 4.2 · MAKE ROOM FOR MORE
Your kind
Your kind
of budget.
A lot less
busywork.
A plan that fits your life. A little intelligence to keep it moving. Meet a whole new way to budget—and the automations that give you time back.
iOS Android Web
YOUR WORDS. YOUR NEXT PLAN.“Make room for groceries, bills, and a little more savings.”
Four methods. One beautiful workspace.Solo or together.
01 / A WHOLE NEW BUDGET WORKSPACELess fitting into a budget.
Less fitting into a budget.
More making it your own.
Choose how you plan, what you track, and when you start fresh. See what's left, what's running hot, and where the period is heading—all in one place.
A target for
Structure.
Breathing room.
Cover fixed bills and non-monthly costs, then keep one flex pool for everyday spending.
Keep your cushion.Every dollar.
A little purpose.
Give income a job across spending, savings, and debt. See what's left to assign.
Make the whole plan count.From this payday
to the next.
Plan around the bills your next paycheck needs to cover, then see your room to spend.
Follow your pay cycle.Your method. Your calendar. Monthly, twice a month, every two weeks, or weekly.
Explore every methodA target with a little more thought.
Set amountRefill toSave by a dateShare of incomeRolling averageJust track
Save for a trip, refill the grocery envelope, set aside a share of income, or just follow a cost without a limit.
Carry it. Cap it. Save it.
Start freshCarry overCarry, cappedSweep to savings
Give fixed bills, flex spending, non-monthly costs, savings, and debt their own place. Choose what happens at period end.
Go beyond the category.
Build lines around a category, detailed category, merchant, tag, account, recurring bill, or custom transaction rule. Start from a template, or make your own.
50 / 30 / 20Debt firstHouseholdEssentials
See the next turn coming.
Follow budget health, daily safe-to-spend estimates, forecasts, and line-level alerts. Rebalance with a preview, move assigned amounts, and get daily or weekly budget emails.
Take the full Budgets tourSee the real plan setup in light and dark
02 / YOUR WORDS. YOUR STARTING POINT.Say what matters.
Say what matters.
We'll draft the plan.
“Build my budget from my recent spending. Keep groceries under $650.” The budget assistant turns a sentence and your financial history into a proposal you can actually review.
- Build from your income and recent spending
- Explain a period, explore a what-if, or rebalance
- See the proposed lines and reasons before applying
You get the final say. Nothing changes until you apply the proposal.
From a sentence to a starting point · Illustrative demo
FROM THE REAL APPA starting point.
A starting point.
With the thinking attached.
See the proposed changes alongside your current targets. Keep the parts that fit your life, adjust your request, and review before applying.
AI budget creation, explanations, and what-if answers require All Access. AI automation drafting and Rebalance with a preview are free, with a generous daily allowance.
A PLAN THAT KNOWS WHAT TO DO NEXTYour next move.
Your next move.
Already thought through.
“When Fun Money reaches 80%, alert me.” Describe a budget automation, inspect the draft, and save it when you're ready.
WHENA threshold. An overrun.
A forecast. A period ending.
A forecast. A period ending.
THENAlert. Email. Notify your partner.
Pause a line. Reassign budget money.
Pause a line. Reassign budget money.
Automations run when the budget is evaluated. Partner alerts respect shared plans. Moving budget money changes assignments, never transfers money between bank accounts.
03 / SMARTER TRANSACTIONSA cleaner ledger.
A cleaner ledger.
A clearer picture.
Less sorting, fewer misleading totals, and a direct path from a purchase to the plan it belongs in.
AI AUTO-CATEGORIZATIONThe category.
The category.
And the detail. Handled.
Open a transaction's category and ask Chip In Intelligence to choose the category and detailed category. Review the recommendation, then use it when it looks right.
Your category correction stays in place when the bank syncs. Turn repeat decisions into rules when you want future purchases to follow the same approach.
Explore AI categorization
INCOME & EXPENSE CLASSIFICATIONMoney moving around
Money moving around
isn't always money coming in.
Chip In works out what a transaction really is: income, spending, a transfer, a card or loan payment, or a refund. A payment arriving on your card should never inflate your income.
The same classification keeps Reports, cash flow, savings rate, payday, and Smart Signals consistent. If something looks wrong, choose the right type; the category follows.
Real incomeSpendingTransfersCard paymentsLoan paymentsRefunds & credits
FROM TRANSACTION TO BUDGETSee where it counts.
See where it counts.
Make room when it doesn't.
Budget coverage lives right beside the transaction. See the line it counts toward, or add an uncovered category or merchant with a suggested target. Build the wider plan from your history with the AI budget assistant.
New eligible purchases then count toward the matching lines automatically. Open the line to see the transactions behind the total.
04 / RULES & TAGS, IN YOUR OWN WORDSSay it once.
Say it once.
Let the rule remember.
“Tag every Delta charge as Travel.” Or “Rename AMZN Mktp to Amazon.” Describe the result you want and Chip In Intelligence writes a transaction rule for you to approve.
- Match merchants, amounts, accounts, or categories
- Tag, categorize, and rename automatically
- Preview matches, reorder rules, and undo a run
A draft before a decision. Inspect what it will do before saving.
Describe. Review. Make it automatic. · Illustrative demo
05 / REPORTS THAT CONNECT THE DOTSThe detail you need.
The detail you need.
The story behind it.
Build your plan in Budgets. Follow it across periods in Reports. Ask for a briefing, dig into a question, or read your month as one connected money story.
Your numbers. Then the meaning. · Illustrative demo
Your budget, over time.
Budgeted versus spent, pace, variance, heat maps, scoreboards, goals, rollover, and money moves.
Your month, explained.
A connected money story, a briefing for each report, deeper analysis, and answers to your own questions.
The numbers behind the words.
Briefings grounded in report facts, with sources you can inspect and a history you can revisit.
YOUR MONEY. WHEREVER LIFE HAPPENS.All of this.
All of this.
In your pocket, too.
Budgets, AI creation, transaction intelligence, Rules & Tags, and updated Reports are available on both iOS and Android, as well as the web. Plan at your desk. Check in from your phone. Keep your own finances or the parts you choose to share in view.
iOS Android Web
More intention.
Less intervention.
Make a plan that feels like you. Let Chip In help with the everyday.
Core budgeting is free. Advanced AI features require All Access; everyday AI includes a generous daily allowance. Compare features and plans.
Screens shown are captures of the web app in light and dark. Mobile layouts vary. AI can make mistakes; review suggestions. Forecasts and safe-to-spend figures are estimates based on available data and your plan. Sharing follows your choices.