No categories. No tracking. Just two accounts: one for bills, one for everything else. SpokenFor.money tells you exactly how much goes where.
$47.23 at the grocery store: was that food or household supplies? Dinner with friends: entertainment or dining? That Target run where you bought six different things?
Traditional budgeting asks you to slice your life into categories and track every dollar. Most people try it for a month, fall behind, feel guilty, and quit.
There's a simpler way.
Bills and everything else.
Your paycheck lands in your bills account. Set up your auto-pays there: rent, utilities, insurance, subscriptions. That money has a job and does it automatically.
Whatever's left after bills moves to your spending account. Groceries, gas, coffee, concert tickets, late-night Amazon purchases. It doesn't matter what you spend it on. It's yours.
No categories. No tracking. No guilt.
This is the only math involved, and it's where people get stuck.
Your bills aren't the same every paycheck. Some hit weekly, some monthly, some quarterly. Move too little and you overdraft. Move too much and you're short on spending money for no reason.
Most people guess. Guessing leads to stress. Stress defeats the whole point.
Here's where SpokenFor.money comes in.
Tell us your bills and when they're due. We'll tell you exactly how much is spoken for before your next paycheck.
Keep that in your bills account. Move the rest to spending: guilt-free, no categories, no app checking in to ask why you bought tacos twice this week.
Direct-deposit your paycheck into the bills account. This is the home base for everything that auto-pays.
Rent, utilities, subscriptions, insurance: anything that auto-pays from your bills account.
SpokenFor.money forecasts your bills-account balance weeks and months ahead, showing exactly what to keep, and what's safe to move to spending.
Move the safe amount to your spending account. Whatever's there is yours. No math, no guilt.
We're not going to ask you to set a "dining out" limit. We don't care if you spent $200 at Target. We'll never send you a notification that you're "over budget" on coffee.
SpokenFor.money does one thing: tells you how much of your money is spoken for by upcoming bills, so you know what's left to live your life.
That's it. The rest is up to you.
SpokenFor.money is in early access. Simple, private, and honest about what's available.
No bank connections. Manual entry only, so credentials never leave your bank.
One click in settings. Export your data on the way out. No retention dance.
Try the whole thing free. If it's not for you, the trial just expires.
You've tried the apps. You've tried the spreadsheets. You've tried the envelope system. None of it stuck because tracking every purchase is exhausting.
You don't need a budget. You need to know one number: what's safe to spend.
SpokenFor.money gives you that number.
Start free. No credit card required.
Everything you need to know what's available
No credit card required
Less than a coffee per week to always know what you can spend.
I don't want to open a second bank account.
Most banks let you open one online in under 10 minutes. No new debit card needed - it's just a holding account for bills. Do it once, and you're set.
What if my bills change?
Update them in SpokenFor.money and your spoken-for amount adjusts instantly. Takes 30 seconds.
I've failed at every budgeting app.
Good news: this isn't budgeting. No categories, no tracking, no guilt. If you can transfer money once per paycheck, you can do this.
Know what's spoken for. Spend the rest however you want.
Free for 14 days. No credit card required. Cancel anytime.