23 years of service.
One stubborn belief about money.
The plan you actually keep beats the perfect plan you abandon by February. That's the idea BFOD.us is built on.
Proudly veteran-owned & operated
Hi — I'm Matt. That's me in the photo, deployed to Iraq for Operation Iraqi Freedom I. I served 23 years in the Army National Guard and retired as a Master Sergeant. Somewhere along the way I picked up a simple habit with money: a steady plan tends to hold up better than good intentions.
I built BFOD.us because the budgeting tools I tried did the opposite of what I needed. They looked backward—tallying what I'd already spent—when what I wanted was a clear line of sight to the one thing that mattered: getting out of debt and staying there.
So I built the thing I wished existed. No bank logins. No selling your data. No gimmicks that quietly upsell you. Just your income, your bills, your due dates, and an honest picture of the road ahead—the debt-free date you're actually working toward.
BFOD.us is a one-person shop. That means when something breaks, it's me who fixes it, and when you email support, it's me who answers—not a queue. There are no investors to please, just the people who trust me with a stressful part of their week. I don't take that lightly.
— Matt Founder · MSG (Ret.), U.S. Army National Guard
Service, not surveillance
Your data stays yours. No bank connections, no reselling—ever. You add what you want to track.
It's just me
Support emails come back from the person who wrote the code. One accountable human, not a call center.
Built to finish the mission
One goal baked into every screen: get you free of debt, and keep you there. Nothing that distracts from it.
Trusting a veteran with your budget?
Start free for 90 days. No credit card, cancel anytime—the same straight deal I'd want.
Begin your journey