About Budgeting Beacon
We believe that financial confidence shouldn't be a luxury. Everyone deserves to see their money clearly, plan ahead with certainty, and feel empowered — not anxious — when they look at their finances.
Our Mission
Budgeting Beacon exists to turn financial stress into financial clarity. We built a tool that shows you every dollar, every day, 24 months into the future — because when you can see where your money is going, you can decide where it goes instead. No shame. No judgment. Just a clear path forward.
What is Budgeting Beacon?
Budgeting Beacon is a personal finance tool built for people who want to see their money with total clarity. Unlike traditional budgeting apps that focus on what you already spent, Budgeting Beacon is forward-looking — it maps your cash flow on a visual calendar so you can see every dollar, every day, up to 24 months ahead.
We designed it for real people with real lives: couples budgeting together, freelancers with irregular income, families juggling subscriptions and debt payments, and anyone who wants to stop guessing and start knowing where their money stands.
At its core, Budgeting Beacon is built on empowerment — not guilt. Every message, every notification, and every interaction is designed to make you feel capable and in control of your finances.
Why We're Different
Most budgeting apps tell you what you did wrong. We show you what's possible. Instead of "You overspent by $47," we say "You've got $83 left for fun this week — nice work." We don't just track what happened — we project what's coming. Your financial life mapped on a calendar you already understand. Built for couples, freelancers, and real life.
Part of a Bigger Vision
Budgeting Beacon is part of the Payroll Beacon and Founding Beacon family of tools — all designed to give individuals and businesses the financial clarity they deserve. We're building a beacon for every stage of your financial journey.
Key Features
Cash Flow Calendar
See every paycheck, bill, and transfer plotted on a day-by-day calendar with running balances. Know your exact balance on any future date.
Budget Sections
Organize spending by Housing, Subscriptions, Debt, Car & Transport, Groceries, Utilities, Insurance, and more. Finalize each section and it feeds into your budget as actuals.
Debt Payoff Tracker
Watch your debt balances drop month over month. See amortization schedules, track interest saved, and know your debt-free date.
Savings Goals
Set targets for emergency funds, vacations, a new home, or anything else. Track monthly contributions and watch your progress grow.
Couples Mode
Two separate logins, one shared picture. Spouse 1 and Spouse 2 each have their own view, plus a Joint Spending view and shared calendar.
Bill Reminders
Get friendly reminders before bills are due so you're always prepared, never surprised.
AI Spending Categorizer (Coming Soon)
Upload a bank statement and our AI will categorize every transaction automatically. Coming soon to all plans.
Investment Tracking
Track 401(k), IRA, brokerage, and crypto accounts alongside your budget for a complete financial picture.
Irregular Income Support
Freelancers, gig workers, and commission earners can add income to specific calendar dates for accurate projections.
Done For You Service
Don't have time? We'll manually review and categorize a full year of your bank statements. Starting at $250 for individuals, $400 for couples.
Our Pricing Philosophy
We believe in simple, transparent pricing. During early access, everything is free — your feedback helps us build the best product possible. At launch, we'll offer:
- ✓Individual Plan: $9.99/month — full access to all features including AI categorization when it launches.
- ✓Couples Plan: $19.99/month — two separate logins, individual views, and shared joint views.
- ✓Done For You: $250 individual / $400 couples — one-time manual bank statement review and categorization service.
Ready to See Your Money Clearly?
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