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Stop Tracking Your Money.
Start Directing It.

Give every dollar a job before you spend a cent. Automate your paycheck so your money always knows exactly where to go.

Join WaitlistSee How It Works

Free plan available — no credit card required.

Traditional Budgets Fail You

  • Reactive tracking after money is already spent
  • Category limits are just numbers on a screen
  • No real separation of funds for different purposes
  • Manual allocation of every paycheck

Fibal Flips the Script

  • Proactive allocation before you spend
  • Sub-accounts that separate funds by purpose
  • Every dollar is assigned a job before you spend it
  • Automation handles paycheck splitting for you

Sub-Accounts That Work Like Envelopes (But Better)

Create sub-accounts under any parent account to physically separate your money for different purposes.

C
Checking Account
Checking
$0.00
$4,950.00
Bills
$1,800.00
Groceries
$600.00
$350.00
Spending Money
$350.00
$100.00
Emergency Fund
$2,500.00

Parent balances automatically sum up all sub-accounts. No manual math required.

Automate Your Paycheck Distribution

Set up automation rules once, and every deposit gets split automatically. No more manually moving money around.

1
Create a Rule
Define which account receives deposits
2
Set Allocations
Specify amounts or percentages for each sub-account
3
Deposits Auto-Split
Money flows to the right places automatically
Paycheck Deposit
$0.00
Automation Rule Applied
Bills$0.00
Groceries$0.00
Spending$0.00
Savings$0.00
My Paycheck Plan
Biweekly paycheck
Allocated: $2,825 of $3,000
$175 remaining
0.0% allocated
Bills$1,525/pay
Rent
$750.00$1,500/mo
Utilities
$125.00$250/mo
Car Insurance
$50.00$600/yr
Subscriptions
$25.00$50/mo
Phone
$45.00$90/mo
Internet
$30.00$60/mo
Living$500/pay
Groceries
$300.00$300/pay
Gas
$100.00$200/mo
Dining Out
$100.00$100/pay
Savings$800/pay
Emergency Fund
$500.00$500/pay
Vacation
$300.00$300/pay
Generate Automation Rule from Plan

Plan Every Dollar of Your Paycheck

The Budget Blueprint breaks down your paycheck into groups and line items. Enter bills at any frequency — monthly, yearly, weekly — and see exactly how much comes out of each paycheck.

1
Set Your Paycheck
Enter the amount and frequency — biweekly, monthly, or weekly
2
Add Groups & Items
Organize expenses into groups like Bills, Living, and Savings with individual line items
3
Auto-Convert Frequencies
A $600/year expense? That's $50 per paycheck — calculated automatically
4
Generate an Automation Rule
Turn your plan into an automation rule that splits every deposit automatically

Budgets That Keep You on Track

Set spending limits by category and watch your progress in real time. Know exactly where you stand before you swipe.

1
Pick a Category
Assign a budget to any spending category
2
Set Your Limit
Choose weekly, monthly, or custom periods
3
Track & Roll Over
Unspent amounts carry forward so nothing goes to waste
Monthly Budgets
February 2026
3 active
Groceries$320 / $500
$180 left0%
Dining Out$180 / $200
$20 left0%
Entertainment$45 / $150
$105 left
+$50 rollover0%
Premium Feature

Meet Fi — Your Personal Finance Assistant

Ask Fi anything about your money. It reads your accounts, budgets, and transactions in real time — so its answers are always grounded in your actual numbers, never guesses.

Spending Summaries
Get totals by category or date range — no spreadsheets needed
Budget Status
Instantly see which budgets are near their limit this period
Account Balances
Ask about any account or sub-account balance at any time
Fi
Fibal Assistant
Online
How much did I spend on dining out this month?

You've spent $0.00 on dining out so far this month, across 0 transactions.

Your dining budget is $200/month — you have $16 remaining.

What's my current checking account balance?

Your Checking Account balance is $0.00, spread across 4 sub-accounts:

  • Bills$1,800.00
  • Groceries$600.00
  • Spending Money$350.00
  • Emergency Fund$2,500.00
Ask Fi anything about your finances...

Everything You Need to Manage Your Finances

Transaction Reconciliation

Mark transactions as cleared or pending to keep your accounts in sync with your bank statements.

Smart Transfers

Move money between sub-accounts and both sides update instantly.

Category Tracking

Organize transactions with hierarchical categories for detailed spending insights.

Multi-Currency

Support for USD, EUR, GBP, JPY, CAD, and AUD.

Spending Reports

Visualize your spending and income trends over time.

Budget Rollover

Unspent budget amounts carry forward to the next period so nothing goes to waste.

Simple, Transparent Pricing

Free

Perfect for getting started

$0/month
  • 3 Accounts
  • 5 Budgets
  • 100 transactions/month
  • 10 Categories
  • 3 Automation Rules
Get Started Free

Premium

Best Value

For power users who want it all

$8.88/month
  • Unlimited Accounts
  • Unlimited Budgets
  • Unlimited Transactions
  • Unlimited Categories
  • Unlimited Automation Rules
  • Spending Reports
Join Waitlist

Ready to Stop Tracking and Start Directing Your Money?

Join the waitlist and be the first to experience proactive budgeting with Fibal.

Join Waitlist