Monthly budgets break when you're paid biweekly. DistroFi starts a fresh plan every payday — bills, savings, debt, and spending come out, and a live Remaining balance shows what's actually left.
No bank linking. No ads. Free forever.
Start budgeting free
One loop, repeated every payday. That's the whole system.
Your plan is anchored to your real payday — not the 1st of the month.
Income in; bills, subscriptions, savings, investments, debt payments, and spending buckets out.
One live number tells you what's actually safe to spend, with over-budget warnings and a What-If calculator.
History keeps every cycle. The next period starts automatically on your payday.
Built for people living check to check or digging out of debt — not for spreadsheet hobbyists.
Due-date badges, priority flags, swipe-to-pay, and push reminders 3 days out and day-of. Annual subscriptions are amortized monthly so they never ambush you. Couples can track who paid what.
Set a budget per bucket per pay period, log expenses in seconds, and search your full transaction history. Unused budget can roll into the next period, envelope-style.
Rollover is a Pro feature
Your savings fill goals top to bottom — the first goal fills completely before the next one starts. Target dates show whether each goal is on track or behind.
Avalanche vs. snowball strategies, an extra-payment slider, and lump-sum what-ifs that show exactly how many months sooner you'd be debt-free and how much interest you'd save. Credit-utilization nudges included.
Most budget apps want your bank login. We never ask for it.
Manual entry, on purpose. No Plaid, no scraping, no third-party aggregators — we never ask for your bank credentials.
Share bills and spending with your partner in real time while your income stays on your device. Merge money, not paychecks.
You are the customer, not the product. The free tier is funded by Pro subscriptions, not by selling your attention or your data.
Export everything as CSV, PDF, or JSON anytime. No lock-in.
Comparable apps run $8–15/month with paywalled basics. DistroFi's core is free with no caps — paid tiers just add power.
7-day free trial · Cancel anytime · No card required to try. The AI advisor is educational and not licensed financial advice.
DistroFi is a progressive web app. It installs straight from your browser and works on anything.
On purpose. Manual entry means we never ask for your bank credentials — no Plaid, no screen-scraping. It also keeps you aware of every dollar, which is half of what makes budgeting work.
Yes. Core tracking is free forever with no quantity caps — not a stripped-down trial. Pro adds rollover and the AI advisor; Couples adds partner sync.
Yes — weekly, biweekly, semi-monthly, and monthly. Periods anchor to your actual payday.
It archives to history, you decide what to do with any leftover money (save it, roll it, or leave it), and the next period starts automatically.
No — it's educational, grounded in your own numbers. It is not licensed financial advice.
Set up your first pay period in under five minutes.
Start budgeting free