Downslope Budget MVP
Plan before the money moves.
This starter app uses manual entry, paycheck forecasting, debt payoff math, and household sharing. It is intentionally small so the core loop can be tested before adding bank sync.
Your paycheck
Primary job
Any real paycheck date — it anchors the schedule.
Next paycheck: 2026-07-03
3-paycheck months: 2026-07, 2027-01
Weekly forecast
Already over
Move $35.00 from Savings to cover Dining out.
Manual budget
Categories
- Housing: $1,800.00 planned (shared) (fixed bill)
- Utilities: $180.00 planned (shared) (fixed bill)
- Groceries: $650.00 planned (shared)
- Dining out: $300.00 planned
- Gas (fuel): $220.00 planned
- Savings: $400.00 planned
Add a name and a planned amount above $0 to continue.
Log a transaction
- 2026-07-05 · Gas (fuel): $75.00 (Fuel)
- 2026-07-04 · Dining out: $335.00 (Weekend meals)
- 2026-07-02 · Groceries: $410.00 (Costco)
- 2026-07-01 · Housing: $1,800.00 (Rent or mortgage)
One-off expenses
Doesn’t count against any planned category, just a record of a one-time expense that doesn’t need its own budget line.
$35.00 over plan
| Category | Planned | Spent | Remaining | Shared |
|---|---|---|---|---|
| Housing | $1,800.00 | $1,800.00 | $0.00 | Yes |
| Utilities | $180.00 | $0.00 | $180.00 | Yes |
| Groceries | $650.00 | $410.00 | $240.00 | Yes |
| Dining out | $300.00 | $335.00 | -$35.00 | No |
| Gas (fuel) | $220.00 | $75.00 | $145.00 | No |
| Savings | $400.00 | $0.00 | $400.00 | No |
Recurring bills
Bills that repeat every month, rent or mortgage, a loan payment, insurance, log themselves automatically each time you open the app instead of you retyping the same amount every month.
No recurring bills yet. Add one below.
Pro feature
Recurring bills
Auto-log bills every month so you never retype rent, insurance, or subscriptions.
Debt payoff comparison
- Credit card: $5,000.00 at 19.99% APR, $150.00 minimum
- Personal loan: $10,000.00 at 6.00% APR, $200.00 minimum
- 0% promo card: $2,400.00 at 0.00% APR, $200.00 minimum
Want the full payoff calculator?
Downslope has avalanche vs. snowball, what-if scenarios, and a month-by-month schedule.
Add a debt
Beyond the minimum payments above. This is applied to whichever debt the avalanche or snowball strategy targets first, then rolls forward once that debt is paid off.
Avalanche: 24 months, $1,479.59 interest.
Snowball: 24 months, $1,646.54 interest.
Shared expenses (pod)
Pro feature
Roommate expense splitting
Track who paid what and see exactly who owes who — down to the cent.
Money owed to you
Money you lent, not money you owe. Kept separate from debts since it’s an asset, not a bill.
Nothing logged yet. Add one below.
Money check-in
Pro feature
AI money check-in
A weekly plain-English briefing on your budget, pacing, and one concrete suggestion.
Or think it through yourself
- What expense is coming up that we should plan for now?
- Is one shared category likely to need more money this month?
- What trade-off feels reasonable before the next paycheck?