Personal Finance Scheduler

Know where your money goes before it goes.

Expentomy turns your accounts, bills, and income into a clear day-by-day schedule — so you see overdrafts before they happen and find the exact moment to eliminate debt.

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⚡Payoff opportunity found
Schedule — March 2026 Live
Paycheck
Mar 1
+$3,200
Rent
Mar 1
−$1,450
Car Insurance
Mar 5
−$187
★ Paid: Citi Card
Mar 15
−$2,140
Paycheck
Mar 15
+$3,200
Projected Balance
$4,821
Debt Remaining
$8,320
🎯Debt-free in 14 months
How it works

Five steps to total clarity

From your first account to a fully projected schedule in minutes.

1
Accounts
Add your accounts
Checking, savings, credit cards, loans — enter balances and APR once.
2
Expenses
Map income & bills
Every paycheck, subscription, and bill from daily to annually.
3
Priority
Order your debts
Auto-sorted by avalanche strategy. Drag to reorder your way.
4
Schedule
Generate the schedule
Day-by-day projections up to 5 years with balance warnings.
5
Action
Execute your plan
Per-paycheck transfer instructions. Charts. Payoff milestones.
Features

Built for real answers,
not just pretty charts.

Every feature exists to answer one question: what should I do with my money, and when?

Schedule
Day-by-Day Projection
Every dollar mapped forward — income, bills, interest, transfers — up to 60 months out.
Charts
Interactive Charts
Balance Progression and Debt Payoff charts with zoom, filters, and payoff milestone markers.
Alerts
Balance Alerts
Notified the moment your real balance deviates from your schedule. Catch problems before they compound.
Pro & Family
Payoff Intelligence
Find the exact moment your debt can disappear.
The engine scans your entire schedule and finds the earliest date you can safely zero out each debt — without going negative.
Citi Double Cash$2,140
Auto Loan$8,900
Student Loan$14,200
★ Opportunity Found
Pay off Citi Double Cash on Mar 15 — your balance covers it and keeps your reserve intact.
Banking
Bank Account Sync
Connect accounts via Plaid. Balances refresh automatically — no manual entry required.
Pro & Family
Export
Flexible Export
Download your full schedule as CSV, PDF, or a shareable HTML email for advisors or partners.
Automation
Auto-Transfer & Interest
When an account runs short, funds route automatically. Interest accrues daily — simulated to the cent.
Payoff Intelligence

The moment your debt can disappear.

Most apps track what you owe. Expentomy tells you exactly when you can pay it off — and confirms your cash flow can handle it.

✓
Scans your entire projected schedule for the earliest safe payoff date
✓
Validates you won't go negative through the rest of the income period
✓
Maintains a 70% expense reserve — you're never left short
✓
Recalculates the full schedule the moment you confirm a payoff
⭐ Payoff Opportunity Detected
Chase Premier Checking will have a balance of $5,240 by March 15 — enough to fully pay off Citi Double Cash while keeping your reserve.
$2,140
Credit card balance · 24.99% APR · saves ~$890 in interest
Reserve threshold
$3,100
After payoff
$3,100
Pricing

Simple, transparent pricing.

Start free for 7 days. No credit card required.

Monthly Annual Save 20%
Basic
$7.99/mo
  • Up to 3 accounts
  • 20 expense items
  • 1–3 month schedule
  • CSV export
  • PDF export
  • Balance warnings
  • Bank sync (Plaid)
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Most Popular
Pro
$14.99/mo
  • Up to 10 accounts
  • 50 expense items
  • 12 month schedule
  • CSV + PDF export
  • Balance warnings
  • Bank sync (Plaid)
  • Family sharing
Start Free Trial
Family
$24.99/mo
  • Up to 5 users
  • Shared accounts
  • Everything in Pro
  • Priority support
  • Bank sync (Plaid)
  • 12 month schedule
  • CSV + PDF export
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Stop guessing.
Start scheduling.

Join people who know exactly where their money is going — before it goes.

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7-day free trial · No credit card required · Cancel anytime