Know what you can spend until payday.
Adjustmint is a checkbook for your phone. You enter what you spend, and it shows what’s really safe to spend, without ever connecting to your bank.
In alpha now. Join as a tester and keep every paid feature free, for life.
Your bank’s balance isn’t what you can spend.
$642.15 at the bank, minus $43.15 that hasn’t cleared, minus $186.40 in bills before payday.
Your bank’s balance doesn’t know about the card you used last night, or the rent that comes out Friday. Adjustmint counts both, so the number you see is the number you can spend.
Three balances, each with one job.
What you can spend now
Everything you spend comes off right away, before your bank sees it. Money coming in counts once it’s in your account.
What your bank shows
Only what has cleared. When it matches your bank, you know your records are right.
Everything you entered
Where you’ll be once everything clears.
Will you make it to payday? You’ll know.
Add your bills and when you get paid. Adjustmint lines up what’s due before your next paycheck and shows what’s left to spend.
- Bills enter themselves on their due date.
- If a bill would take you below zero, you see it days before, not after the fee.
- Your paycheck counts once it clears. Never before.
How it works
Enter it when you spend.
Type the payee and the amount. It takes a few seconds, and it remembers the rest next time.
Clear it when it reaches your bank.
Check it off against your bank’s app, one tap each.
Watch your way to payday.
See what’s safe to spend and what’s due before your next paycheck.
We never connect to your bank.
No bank login, ever.
We never ask for account or card numbers.
Not for sale.
We don’t sell your data, and there are no ads.
Yours to take.
Export everything, or delete your account and everything in it, any time.
Stored securely.
In the United States. Read our privacy note
Built by someone who needed it.
Our founder built the first version of Adjustmint in the early 2000s, as a young professional living paycheck to paycheck and constantly overdrawn. Writing down every purchase and watching three balances stopped the overdrafts. He used it for years, until he didn’t need it anymore.
That’s the goal for you, too: use it until you don’t need it.
Simple pricing.
Free
- One checking account
- Unlimited transactions
- The three balances and clearing
- Export any time
Road to payday
- Everything in Free
- Safe to spend until payday
- Bills that enter themselves, with a warning before you’d overdraw
- More than one account, and moving money between them
These prices start when Adjustmint opens to everyone. Join the alpha now and it’s free for life, paid features included.
Questions
Why don’t you connect to my bank?
You don’t need to, and it’s safer. Entering things yourself is what makes you notice them, and there’s no bank login for anyone to steal.
Is this a budgeting app?
Not really. A budget plans the month. Adjustmint answers a simpler question: what can I spend right now, and will I make it to payday?
What if my pay isn’t on a schedule?
The free register still works: the three balances keep you from overdrawing. Road to payday needs a payday to count to.
Does it work on my phone?
Yes. It runs in your phone’s browser, and you can add it to your home screen like an app.
Can I use it for credit cards?
Not yet. Checking and savings for now; credit cards are next on our list.