A personal finance assistant with a living memory. Today rebuilds your budget from what you actually spend, hunts down the subscriptions you forgot, and moves the money before the due date instead of after it.
Bills, budget and goals sit in one conversation. You ask on the left; Today rewrites the plan on the right.
Eating out trimmed by $120, groceries raised to what you actually spend. Rent transfer moves to the 2nd so it clears before the card autopay, and the emergency fund still gets $150.
Built from your real spending, not a number you guessed on the first. When one line runs hot mid-month, Today moves the room instead of telling you that you failed.
Duplicate services, trials about to convert, quiet price increases and the four bills landing next week — one list, with the amount, the date and a cancel action.
Set the goal and the date once. Today works backwards to what this payday needs, and re-paces automatically when a lean month shows up.
Tax season or a call with your accountant: receipts gathered, categories sorted, and the three questions worth asking already drafted.
Three days out, it checks the balance that has to cover the bill.
Income lands, and the goal, the bills and the spending money separate themselves.
Every number stays yours — pull a clean spreadsheet whenever you want one.
Turn on the ones you want. Today stays quiet about everything else.
Invoices arrive whenever clients feel like it. Today smooths the month against your real fixed costs, holds back the tax slice, and tells you what is genuinely spendable this week.
Two incomes, one rent, groceries split unevenly. Today tracks who covered what, settles the difference on payday, and keeps personal spending out of the shared view.
Two loans and a card. Today ranks them by what actually costs you money, puts every spare dollar on the top one, and shows the payoff date moving as you go.
Six months of runway, then the trip. Today sets the weekly number, protects it from the spending you told it not to touch, and re-paces the plan when a month goes sideways.
Read-only bank and card feeds, your calendar, receipts in your inbox or a plain spreadsheet. Each connection is opt-in and revocable — connect one and Today still works.
A month in, it knows when income lands, which bills never move, where you always overspend and which categories you refuse to cut.
Cancel the duplicate, shift the transfer, top up the goal. Nothing leaves an account without your tap, and every action is undoable.
| Capability | Today | Spreadsheet | Banking app | ChatGPT |
|---|---|---|---|---|
| Rebalances the budget mid-month | Partial | |||
| Finds duplicate subscriptions and price hikes | Partial | |||
| Acts before a due date, not after | Partial | |||
| Remembers your goals across months | Partial | Partial | ||
| Proactive without being noisy | ||||
| Memory you can read, edit and delete | Partial |
Today organises your money and your habits. It is not a bank, broker or financial adviser — for investment and tax decisions, talk to a licensed professional.
Today reads the money signals you already generate — transactions, recurring bills, paydays, calendar load — and turns them into a handful of decisions: what this week can absorb, which subscription to kill, when to move the transfer so nothing bounces. It acts on the month instead of handing you another chart to interpret.
No. Today is an organisation and habit assistant, not an advisor or broker. It won't pick funds, time markets or tell you what to buy. It keeps your cash flow, bills, subscriptions and savings goals under control, and prepares the questions worth asking a real advisor.
Instead of numbers you guess on the first of the month, Today builds the budget from what you actually spend, then rebalances mid-month when one line runs hot. Groceries over by 22% and dining out untouched? It shifts the room rather than telling you that you failed.
Connections are read-only: Today can see transactions to reason about them, and it cannot move money on its own. Every transfer, cancellation or reminder is proposed and waits for your tap, and each connection can be revoked at any time.
Yes. Tell it your fixed bills, income dates and goals once, or import a spreadsheet, and Today still handles due-date sweeps, subscription checks and savings pacing from your own check-ins.
It watches for repeating charges, near-duplicate services, free trials about to convert and quiet price increases. You get one list with the amount, the renewal date and a cancel action — not a notification every time a charge appears.
Everything Today remembers about your money is inspectable and editable. Open memory, read the entry, correct it or delete it — deletions are real, not hidden flags, and the assistant stops reasoning from anything you remove.
Your budget rebalances mid-month, forgotten subscriptions get caught, and transfers move before the due date. Free during the public beta on iPhone, Android, macOS and the web.
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