Today is an AI budget planner with a living memory of your real spending. The budget starts from what you actually spend, not a number you guess on the 1st — and when one line runs hot mid-month, it borrows room from the lines that have it, and tells you before you overshoot.
A budget you invent on the 1st, with no data behind it, is a report card by the 30th. The problem isn't your discipline — it's that the plan never knew what your month actually costs.
Not a number you invent on the 1st. Today looks at your recent months, sets lines that fit your real life, and keeps them honest as the month runs — so “budget” stops meaning “a guess I already broke”.
Groceries are 22% over and dining is barely touched? Today shifts room from the lines that can spare it, and tells you it did. One category running hot stops meaning the whole budget failed.
When this week's spendable number is about to run out, Today says so on the day you can still change something — then suggests what to move. No red banner on the 31st pretending it's a surprise.
After fixed bills and the savings line, Today hands you one number each week that's genuinely yours — and re-draws it the moment the month shifts.
Rent, the savings goal, the debt payment: mark the lines Today may never borrow from, even when something else runs hot. They stay yours.
At month-end, plan versus real on every line. Next month's budget absorbs what actually happened — instead of resetting to the same guesses you made in January.
Same app — the budget you get adapts to how your income and your month actually arrive.
The salary lands on the 25th and is mostly gone by the 12th — not from one big purchase, but from fifty small ones no one is watching. Today separates the fixed costs from the drifting ones and shows what a leaner month would actually free up.
Good months and dry months, invoiced on nobody's schedule. Today builds the plan on the floor — what a quiet month really costs — and tells you what a fat month lets you do with the surplus, instead of pretending every month is average.
Combining budgets is usually one person's spreadsheet and the other person's resentment. Today merges both spending patterns into one plan with shared lines, keeps the protected lines explicit, and settles the plan on payday — not during an argument.
The tight budget: debt gets the surplus, savings gets a protected line, and fun gets whatever is honestly left. Today re-paces both when the month wobbles — so a bad month slows the plan instead of killing it.
Import last month's statement export, put paydays and fixed bills on your calendar, tell Today which lines must never move. Nothing connects to an account — every source is a file or a fact you brought.
Real averages set the lines, fixed costs come first, and the rest becomes a weekly spendable number. The plan fits your life because it starts from your numbers.
A line runs hot and Today rebalances; a week runs short and Today says so in time. Month-end becomes a short review that rewrites next month — not a report card.
| Capability | Today | Spreadsheets | Budgeting apps | ChatGPT |
|---|---|---|---|---|
| Built from real spending, not guessed numbers | Partial | |||
| Rebalances automatically when a line runs hot | Partial | |||
| Warns before you overshoot, not after | Partial | |||
| Protects the lines you mark untouchable | Partial | |||
| A current weekly spendable number, without re-planning | Partial | |||
| Remembers your goals across months | Partial | Partial | Partial |
Today is an everyday finance assistant for planning your spending. It is not a bank, broker or financial adviser — your money only moves when you act on the plan, and for investment and tax decisions, talk to a licensed professional.
Today is available now and free on iPhone, Android, Mac and the web. The adjusting budget, the weekly spendable number and the monthly review are all included — no premium wall around the core plan.
The plan starts from your real spending over recent months, not numbers you guess on the 1st. Mid-month, if groceries are 22% over and dining is barely touched, Today moves room from the lines that have it and tells you it did.
Today can't force anything — it doesn't move money and it doesn't lock your cards. What it does is warn before you cross the week's line, when you can still act, and suggest which line to borrow from if you decide to keep going.
Yes, anytime. Change a line, move the whole month's room around, or pause the plan for a week — the change applies from that point on, and Today rebalances around your edit instead of fighting it.
Yes — this is exactly what the planner is built for. Tell Today what a quiet month really costs and it builds the plan on that floor; when a fat month arrives, it tells you what the surplus can do instead of pretending every month is average.
No. The plan runs on what you bring: statement exports you download, paydays and bills on your calendar, and numbers you enter yourself. Nothing is connected, nothing is live, and Today never moves money on its own.
Everything about your plan is inspectable and editable. Open memory, read an entry, fix it or delete it — deletion is real, and the planner stops reasoning from anything you remove.
Built from your actual spending, not a guess at the start of the month — when one line runs hot, Today shifts the room instead of calling it a failure. Free to use on iPhone, Android, macOS and the web.
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