Private beta · iOS

Know what you
can spend today.

Fitness wearables train your body. Meditation apps train your brain. Buck trains your spending habits — one honest number every morning to help you make your financial goals real.

Join the waitlistCalculate your Flow →
9:41
Buck
Good morning
Today’s Flow9:41 amRefresh
Safe to spend$93of $116.45 today
Allowance
$116
Spent
$22
vs Yest
+$18
You’re pacing $18 ahead of yesterday — a coffee and lunch out still leaves you clear.
Daily Balance
+
🧪
Flow Usage - 7-Day Spend6-day streak
$71
avg spent / day
▼ $6/day less than last week
Recent Spend
Blue Bottle CoffeeDISC$6.75
SweetgreenDISC$15.75
Trader Joe'sDISC$48.12
Con EdisonFIXED$88.40
Pace - This MonthUNDER PACE
−$220

Most people find out they overspent a month late.

Buck tells you the same day.

Inside the app

The daily number

Flow

One figure. Every morning. A target to keep your budget on track. Spend a lot one day, or less on another, and Buck recalibrates what's available the next day, the rest of the week, and what's left of the month.

Safe to spend

$116.45

today

The monthly projection

Pace

Where this month's spending is projected to land against your discretionary pool — pool, spent so far, and projected on one scale, updating in real time. Rent and fixed costs are already out; this is the part you actually steer.

Projected this month · discretionary

$1,5726% under pool
Discretionary pool$1,671
Spent so far$853
Projected$1,572

The long view

Trajectory

Where the saving adds up. Net worth today and twelve months out, with your needs, wants and savings split — plus what your debt and investments are doing underneath it.

Net worth · 12 months out

$27,300+$12,520

from $14,780 today

Today12 months

Free · thirty seconds

How much can you spend today?

Not what’s in your account — what you can spend today and still finish the month on budget. Four numbers you already know, thirty seconds, same math the app runs.

Open the calculator →

Where it goes

It never feels like
a decision.

It feels like a coffee, a ride home, a round for your friends. Then the statement arrives, the budget becomes real, and all you can do is catch up next month.

Buck makes it visible
while you can still choose.

Join the waitlist

Private beta

Get in early.

Buck opens to a limited number of people at a time, in the order they signed up. Join the waitlist to hold your spot — one email when yours comes up, nothing before it.

Free while in beta. One email at launch — nothing else.

Free while in beta · $20/mo or $150/yr after launch · 7-day free trial

Questions

The short answers.

What is Flow?

+

Flow is what you can spend today and still finish the month on budget. Buck takes your income, subtracts fixed costs, a 5% cushion and your treat fund, then divides what's left by the days remaining in the month. Overspend today and tomorrow's Flow drops. Underspend and it rises. It's pure daily math — no judgment, no streak to break.

Is Buck a budgeting app?

+

No. Budgeting apps ask you to build categories up front and then report on how badly you did. Buck answers exactly one question every day — am I on pace? — and corrects itself automatically when you're off.

How does Buck know what I spent?

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It connects to your bank read-only through Plaid and categorizes transactions for you. Buck makes its best guess and you correct it in one tap. It only needs to be close and correctable, not perfect.

Does Buck move my money?

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Never. The connection is read-only. Buck can see transactions in order to compute your Flow, and it cannot move a cent.

What does it cost?

+

$20 a month, or $150 a year — about $12.50 a month if you pay annually. Every subscription starts with a 7-day free trial, and you can cancel from your Apple account in one tap before it ends.

When does it launch?

+

Buck is in private beta now, opening to a limited number of people at a time. Join the waitlist and you'll get one email the moment your spot comes up.