What you actually need to know
- Which bills are coming, so none of them sneak up.
- Whether this paycheck covers them, before you spend it.
- That the paid ones are paid, so you stop checking.
- What's left. One number, not a chart.
That is the whole app. Forseera has no spending categories, no pie charts, no monthly review, and no notification telling you that you went over on dining. It tracks bills and paychecks and shows what's safe to spend. The rest of your money is none of its business.
How it feels after a week
You add your bills once, about ten minutes. The morning each one is due, a single heads-up. If it goes unpaid, one question. Most days there is nothing to do, and that is the point: you open it when you feel like it, see that nothing is on fire, and go back to your life.
If you want to save first and spend the rest, the anti-budget guide shows how the bills fit in. If you would rather start on paper, the free sheet does the paycheck math with no signup.
I usually dread looking at my account balances.
Questions people ask
Is there a budgeting app for people who hate budgeting?
The honest answer is to stop looking for a budgeting app. A bill tracker that shows what's left after bills gives most people what they wanted from a budget without the categories. Forseera is that; Pace and Monarch take gentler approaches to budgeting proper.
Does Forseera track my spending?
No. It tracks bills and paychecks and shows what is left after bills. It does not categorize purchases and never tells you that you overspent on anything.
Do I have to connect my bank?
No. Type bills in or pick them from a list. A read-only bank link through Plaid is optional and fills in amounts and dates if you want it.
What does it cost?
A 7-day free trial with everything on, then $8.99 a month or $69.99 a year through Apple. The price is shown before you add a single bill.