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Stay on top of your money
Keep your upcoming expenses, subscriptions, and savings goals in one clear view designed for individuals and families.
111 million
Americans are carrying credit card debt and unable to pay their monthly bills in full—50% of all cardholders and 40% of U.S. adults. You don’t have to be one of them.
The Century Foundation & Protect Borrowers, March 2026
The difference
Most apps look backward. BFOD.us looks ahead.
Traditional budgeting tools tally what you already spent. BFOD.us is built to show you what is coming next—so nothing catches you off guard.
What matters
Typical app
BFOD.us
Shows what's coming next
Reminders before due dates
Sometimes
Budget that follows your paycheck
No bank login required
Your data is never sold
Varies
Price
$8–15/mo
from $2.99/mo
Your debt-free toolkit
Three studios do the heavy lifting
Because the borrower is slave to the lender, we built the tools to break the cycle—pay debt down, build savings up, and give on purpose, all side by side.
Pay it down
Debt Studio
See the exact date you'll be debt-free—then watch it move closer. Add your loans and cards, choose a payoff strategy, and put extra toward the balance to see the time and interest you save.
Avalanche, Snowball, or your own custom order—attack the highest interest, the smallest balance, or whatever you choose first
Add extra per month and see how many months sooner you're free
Debt-to-income and monthly cash flow at a glance
Adding a new debt extends your timeline—it never spikes your payment
Build it up
Savings Studio
Turn one balance into real progress on every goal. Set targets and dates, and BFOD.us splits your savings across them automatically—so every goal has a plan, not just a wish.
One balance auto-split across your goals by deadline
Per-goal progress, plus the weekly or monthly amount to stay on pace
Pin a goal's share, or let it auto-split
Schedule savings as a recurring payday contribution—a debt in reverse
Smooth big annual bills into small payday amounts so they never spike a check
Give on purpose
Giving Studio
Plan your generosity like everything else that matters. Set yearly giving goals—tithes, causes, the people you care about—and BFOD.us keeps your giving on pace right alongside your debt and savings.
Set yearly giving goals and track them month to month
See the weekly or monthly amount that keeps you on pace
Schedule giving as a recurring payday contribution
Give intentionally—without derailing your debt-free date
All three live right inside your dashboard—no extra tools, no spreadsheets.
Built to help you track bills, income, and get out of debt
Whether you're a freelancer or a busy family, BFOD.us helps you get ahead of every due date, budget each paycheck, and see exactly what's coming — so late fees and surprises stop catching you off guard. No bank login required.
Smart remindersTimely notifications keep you ahead of due dates so you never stress about a surprise late fee again.
Flexible budgetsTrack monthly spending with envelopes that adjust as you log payments and track recurring subscriptions.
Spending claritySpot trends instantly with visual breakdowns that highlight where your money actually goes.
Built by a solo developerCreated by a solo developer who loves helping people stay organized—expect thoughtful updates and real human support.
All-in-one dashboard
Collect every expense, subscription, and reminder in one organized timeline that makes tracking feel effortless.
Track unlimited expenses and categories
Add notes, confirmation numbers, and receipts
Automatic reminders
Choose how and when you receive nudges so you can pay on time without keeping everything in your head.
Customize reminder lead times
Snooze or mark expenses as paid instantly
Budget insights
Compare what you spent with what actually happened, and adjust goals before the month ends.
Flexible envelopes and categories
Rolling summaries that update in real time
Never blindsided by a big bill
Yearly insurance, a quarterly water bill, that semiannual HOA fee—BFOD.us quietly sets a little aside each payday so the big one is already covered when it lands, and the month stays calm instead of scary.
Auto-spots the bills big enough to spike a paycheck
Turns one $2,400 hit into a calm ~$200 a payday
Privacy you control
Your data is encrypted in transit, and you can export or delete it whenever you want—no hoops to jump through.
Export your information anytime
Adjust notification and privacy preferences easily
Security and privacy, built in
Your financial life is personal. From day one, every request is encrypted, sign-in is handled by Google, and your data stays yours—never sold, never shared, never used to sell you something.
Encrypted in transit
Every request uses modern TLS so the information you send between your device and our servers stays private.
Account security
Sign-in runs through Google, so there's no extra password to leak or forget—your account stays protected by security you already trust.
You control your data
We respect your privacy. Your data is never sold, shared, or monetized through third-party advertisers.
One space for every expense
Track due dates, payment methods, and notes together so you always know what is coming next—no spreadsheets required.
Store expense details, notes, and categories together
Categorize spending with flexible tags
Log autopay and manual payments side by side
Clear money snapshots
Spot upcoming expenses, see how much you already paid this month, and celebrate progress toward your savings goals with beautiful charts.
No External Account Connections
Your financial data stays with you. By skipping bank connections, we reduce exposure and keep your information in your hands.
Ready to be free of debt?
Start your 90-day free trial—no credit card, cancel anytime. Set up your bills, budget, and payoff plan in minutes.
Monthly
$3.99/mo
Cancel anytime
Best value
Annual
$2.99/mo
$35.88/year — save 25%
Both start with a 90-day free trial. No credit card to begin.
Everything you need to know before you start your free trial.
Yes. Every account starts with a 90-day free trial so you can set up your bills, budget, and reminders before deciding. No credit card is required to begin.
Legal & Trust
Terms of Service & Privacy
Effective July 16, 2026 · These terms govern your use of BFOD.us. By creating an account or using the service you agree to these terms and our privacy practices.
