Start Saving Your Cheese.
BudgetRat doesn't just help you track spending. It can help you get out of debt too!
Total up the bills you can't avoid, add what you bring home, and get one number: what you can safely spend this week.
No bank accounts to juggle. No spreadsheets. Just one number.
How it works
One number. Every week.
Most budgeting apps make you manage accounts and categories. BudgetRat does the math behind the scenes and hands you a single weekly number to spend from.
Total up the bills you can't avoid
Rent or mortgage, utilities, insurance, minimum payments, subscriptions: everything you'd owe even if you bought nothing else.
Add what you bring home
Paid weekly, every two weeks, or twice a month? Yearly and six-month bills too? BudgetRat spreads it all into even weeks.
Spend from one weekly number
Groceries, gas, eating out, repairs: log what you spend in two taps and watch what's left. Weeks start Friday, so the weekend gets a fresh budget.
Keep it green
You'll always know where you stand.
The number changes color as the week goes, so you can decide whether that purchase fits now or can wait.
You're on track
Spend freely within your number. Whatever's left when the week closes goes to your Stash.
You're into your Buffer
A slice of each week is held back for surprises, like a water bill that comes in high. You can use it, but try to hold here.
You went over
No guilt trip. Your Stash covers it, or it's eased back over the next few weeks, never all at once.
Get out of debt
Green weeks add up.
Every green week grows your Stash. Once it's big enough to catch an expensive week, BudgetRat points the extra at your debt, starting with the most expensive.
- Stash one month of billsA starter cushion for expensive weeks.
- Pay off high-interest debtCredit cards first, highest rate to lowest.
- Stash three months of billsA real safety net.
- Knock out the restCar, student loans, then the mortgage.
- Debt-freeEvery dollar of your income is yours to plan.
Ready to start saving your cheese?
BudgetRat is coming soon to iPhone and the web, with Android to follow.