Pace gives you one weekly safe-to-spend number instead of a budget. It counts bills first, protects savings, and shows what's actually safe to spend this week. Bob, the AI money coach in the app, answers "can I afford this?" from your real numbers and logs spending when you just tell him. Built for people who tried YNAB or Monarch, admired the dashboard for a week, and quietly stopped opening it. iOS, first month free.
Features
- One weekly safe-to-spend number, recomputed as life happens
- Bills counted first, so rent and insurance always have room before the number is shown
- Savings protected up front, not from leftovers
- Bob, an AI money coach: ask "can I afford this?" and get a straight answer from your real numbers
- Log spending by chat: "spent 60 on gas" and it's done
- Streaks and no-spend days that keep the week green
- Bank connections via Plaid, read-only, or full manual entry
Use Cases
- Deciding in the moment whether tonight's dinner out fits the week
- Replacing an abandoned YNAB/Monarch/Copilot setup with one glanceable number
- Ending the week under budget and putting the difference at your debt or savings
- Knowing payday money is real money, with bills already spoken for
- Tracking spending without categories, reconciling, or a Sunday ritual
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Comments
I built Pace because I kept downloading budgeting apps and quitting by day three. YNAB gave me homework. Monarch gave me a beautiful dashboard I stopped opening. The problem was never the charts, it was that none of them answered the only question I actually had: can I afford this right now? So Pace gives you one number. It counts your bills first, protects your savings, and tells you what's safe to spend this week. And you can just ask Bob, the money coach in the app, "can I afford dinner out?" and get a straight answer from your real numbers. It's iOS only for now, and it doesn't track net worth or investments, on purpose. One number, one week at a time. First month free. I'd genuinely love feedback from people who've quit other money apps.
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Comments
I built Pace because I kept downloading budgeting apps and quitting by day three. YNAB gave me homework. Monarch gave me a beautiful dashboard I stopped opening. The problem was never the charts, it was that none of them answered the only question I actually had: can I afford this right now? So Pace gives you one number. It counts your bills first, protects your savings, and tells you what's safe to spend this week. And you can just ask Bob, the money coach in the app, "can I afford dinner out?" and get a straight answer from your real numbers. It's iOS only for now, and it doesn't track net worth or investments, on purpose. One number, one week at a time. First month free. I'd genuinely love feedback from people who've quit other money apps.
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