Three buckets, no spreadsheets
Bills come off the top. What's left is split across Needs, Wants and Savings in one tap.
Your payday surplus, finally handled.
Phineas is a calm little chat that takes what's left after your bills and puts every dollar somewhere on purpose.
Goals funded from Wants
Phineas reserves your goal money before you can spend it, and shows how many pays are left.
Modes that follow milestones
Clear the debt or fill the buffer and Phineas suggests Debt Paydown or Investing mode. You confirm.
Start the conversation
Takes about a minute to set up.