Personal Finance

Never be caught off guard
by a bill again

Sinking Fund calculates exactly what to set aside each pay cycle so every obligation is covered before it hits.

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Sinking Fund dashboard showing fund health, projected balances, and upcoming obligationsSinking Fund dashboard in dark mode

Everything you need to stay ahead of your bills

Smart fund calculations

Adaptive per-cycle contributions that ramp up or down based on when each obligation is due. No manual spreadsheet math.

Bank statement import

Upload PDF, CSV, or OFX statements. AI-powered parsing detects your recurring income and expenses automatically.

Natural language control

Type “Add Netflix $22.99 monthly” and it just works. Create, edit, and query your finances in plain English.

Projections & what-if

See your fund balance projected months ahead. Toggle obligations on and off to model different scenarios instantly.

How it works

1

Upload your statements

Import bank statements in PDF, CSV, or OFX format. No bank login required—your credentials stay yours.

2

Review detected patterns

We automatically find recurring income and expenses. Confirm the ones you want to track and set up your sinking fund.

3

See what to set aside

Your dashboard shows exactly how much to save each pay cycle. Watch your fund health stay green as obligations approach.

Ready to stop worrying about bills?

No bank connections required. No credit card needed. Your financial data stays on your terms.

Get started for free