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Staying ahead

Stay ahead

Can I budget my own way? Yes. Intentions are a flexible budget: zero-based, envelope-style rollover or any percentages, showing where you sit, with no telling-off.

Intentions Over time Goals Six months ahead

Intentions, a flexible budget

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Set them in dollars or as a percent of income, with rollover if you like, and see what is left. After about three months Tobsy can suggest them from your own spending.

Nine intentions as rings: Savings above its intention, the Japan trip A$50 to go.

How you do over time

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Follow each month against your intentions, then look back over three, six or twelve months.

Goals, personal or shared

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Put money toward something, on your own or together, and watch it fill. A bigger buy can be paid over time, with its next instalment in view.

A household fund for a trip to Japan: A$6,600 of A$9,000.
A laptop paid over time: A$1,200 of A$2,400, the next instalment date.

Six months ahead, with its spread

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A forecast built from your own history, shown as a range rather than one confident number. Ask “can I afford this?” and see what a purchase leaves.

The next six months: likely spending each month as a bar with its range, income as a line.
Awareness Couples & families

Scroll or swipe to move through, or tap a step.

Everything in Staying ahead, as a plain list
  • Intentions in dollars or percent
  • Rollover and roll-under
  • Per-category cadences
  • Monthly tracking, three, six or twelve months back
  • Suggestions from your own spending
  • Goals, personal or shared
  • Pay-over-time plans
  • Six-month forecast as a range
  • Expected expenses

Questions

The things people ask first.

Why a range and not one number?

Because spending moves from month to month, and one confident number would claim more than your history can show. Tobsy shows the spread the data warrants: likely spending each month as a bar, with its range.

How far ahead can Tobsy see?

Six months, built from your own history and shown as a range. The next seven days are laid out too, like a weather forecast for your money. Ask “can I afford this?” to see what a purchase would leave.

Thirty days free

Try it, or look around first.

The demo is the real app with fourteen months of sample entries. The trial is every screen, for thirty days, with your own.

Try it free for 30 days Look around the demo

About ten minutes to set up, once, on a computer. You’ll need a Google account. A$59 after the trial, if you want to keep it.