Behavioral savings, built around real life
Don’t budget harder. Switch modes.
Turn the money information you provide into one clear estimated move toward your goal—without putting bills, essentials, or your cushion second.
MoneyMode is not a bank or financial advisor. V1 uses manual information and never transfers or holds your money.
What to expect
Progress that never outranks your life.
Protected money stays protected
Bills, essentials, your cushion, and income uncertainty are considered before a goal.
Uncertainty means more caution
Missing or stale information triggers a money check—not a confident-looking guess.
You keep control
Recommendations are explainable estimates. You choose whether to save, Flex, skip, or protect.
The MoneyMode loop
One useful decision, not another dashboard.
MoneyMode connects your financial snapshot, Mode, and safety rules into a single present-tense recommendation.
Today’s Move
$35
Based on what you entered, this estimated move keeps your protected money intact.
Emergency Fund
$742 of $1,500
Protect Day
If estimated capacity is zero or negative, the stronger move is $0. Your Momentum is protected.
Flex when life changes
Recalculate around an unexpected bill, higher essentials, or the breathing room you need—without shame or a broken streak.
Step 1
Check in
Enter your available money, next income date, upcoming bills, essentials, and preferred cushion.
Step 2
Calculate
The Adaptive Save Engine estimates protected money first, then applies your Mode and shared Savings Governor.
Step 3
Make today’s move
Save the suggested amount yourself, Flex it when life changes, or take a Protect Day without losing momentum.
Beta access
Start with the core loop.
Essential safety is never positioned as a premium upgrade. Founding pricing will be validated only after the product proves useful.
Free Beta
For early users testing the MoneyMode habit
$0
- Today’s Move and four Modes
- Protect Day and basic Flex
- One active goal and Momentum
- Simulated Round-Ups
MoneyMode+
Founding member access after core validation
Pricing TBD
- Advanced personalization
- Additional goals
- Custom Round-Up strategies
- Future premium insights
Protect Day, core safety calculations, basic Flex, and recommendation explanations remain available without a premium plan.
Clear by design
Questions before you switch modes?
Your next move starts here
Make progress without making life harder.
Check in, choose your Mode, and get one explainable estimate for today.