Household money, looking ahead
Know what's safe to spend before payday.
Fretless brings every account, bill and paycheck into one place, then forecasts your balance day by day. No more guessing whether rent clears before the next check.
Private to your household. No ads, and your data is never sold.
Safe to spend until payday
$412.75
Lowest point: $250.00 cushion on Nov 7
Balance over the next 30 days, with your cushion as the dashed line
Coming up
- Rent · Fri, Nov 1−$1,650.00
- Car insurance · Mon, Nov 4−$128.40
- Phone · Thu, Nov 7−$65.00
Everything a household budget needs, in one place
A quick search can tell you a rule of thumb. Fretless tells you about your money, using your accounts, your bills and your paydays.
Safe to spend, every day
A day-by-day forecast of every balance, with bills and paychecks placed on the days they land. It tells you the most you can spend before payday without going below your cushion.
All your accounts
Connect banks securely through Plaid, import a CSV from any bank, or keep an account by hand. Duplicates are caught and transfers between your own accounts are matched.
Bills that find themselves
Fretless spots recurring charges in your history and turns them into bills, with reminders before they're due and a calendar of the month ahead.
Budgets and goals
Set budgets by category, get a heads-up before you go over, and save toward goals with progress you can see.
Plans for years ahead
Long-range forecasts of net worth, debt payoff and retirement, with what-if scenarios for a raise, a move or a new baby.
Made for households
Invite a partner or family as an admin, member or viewer. Everyone works from the same numbers and sees only what their role allows.
Up and running in an evening
- Step 1
Add your accounts
Connect a bank, upload a CSV, or type in a balance. It takes a few minutes.
- Step 2
Check the bills it found
Confirm the recurring charges and paychecks Fretless detected, or add your own.
- Step 3
See what's safe to spend
Your dashboard shows today's number and the low point coming up, so payday is never a surprise.
Coming from a spreadsheet? Import your bank's CSV exports and keep your history.
Questions
- How much does it cost?
- Try Plus free for 14 days, no card needed. After that, one price covers your whole household: Basic $5 a month, Plus $10 a month, Premium $20 a month, or two months free when you pay yearly. Plans differ in how many banks you connect, AI questions, email alerts and people. Cancel any time.
- How is this different from my bank's app?
- Your bank shows what already happened, one bank at a time. Fretless puts every account together and looks forward: it places your upcoming bills and paychecks on a calendar and tells you how much you can spend without running short.
- Does Fretless see my bank password?
- No. Bank connections go through Plaid, which many banking apps use. We receive account and transaction data, never your login. You can also skip bank connections and import CSV files instead.
- Who can see my data?
- Only you and the people you invite to your household, according to the role you give them. Every table in the database is locked to its household, and we don't sell data or show ads.
- Can I take my data with me?
- Yes. Export everything from Settings at any time, and delete your account whenever you like.