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The two-account method, run by an app

Two accounts. One number. No budget.

One account pays your bills. One is yours to spend, no questions asked. SpokenFor forecasts the bills account and tells you the only number the method needs: how much has to stay.

Free forever. No credit card. No bank login.

The whole method, in one picture

Your paycheck lands in bills. The forecast says what must stay. The rest moves to spending, where it's free.

Forecasted by SpokenFor

Bills account

Paycheck in. Rent, subscriptions, and card payments out, on schedule. Every dollar here is spoken for. This account has one rule: it never fails.

Never enters the app

Spending account

Whatever the forecast says is safe moves here. Groceries, gas, fun: spend it like cash in your pocket. No tracking, no categories, no judgment.

Set the split up once as a recurring transfer, or have payroll deposit into both accounts directly. After that, the method mostly runs itself.

The method has one hard question

How much has to stay in the bills account? Guess high and your spending money is needlessly tight. Guess low and a bill bounces. Most people guess high, stay stressed, and never actually trust the number.

SpokenFor answers it with math instead. It projects the bills account through every scheduled paycheck, bill, and card payment, months ahead, and finds the lowest point your balance will touch. That's the floor. Everything above the floor is safe to move.

Setup is about ten minutes, once. Staying accurate is about a minute a day: open your bank, confirm what cleared, done.

Date
Transaction
Amount
Jul 3
Friday
Paycheck
+$2,150.00
Jul 5
Sunday
NetflixCharged
-$15.49
Todaybalance from your bank: $4,565.51
Jul 11
Saturday
Car insurance
-$142.00
Jul 15
Wednesday
Payment: VisaReserved
-$486.20
Jul 18
Saturday
RentLowest point
-$1,200.00
Jul 21
Tuesday
Paycheck
+$2,150.00

The bills-account forecast, lowest point marked.

Yes, credit cards fit

Card spending is just spending-account money routed through a card. SpokenFor tracks each card by statement cycle and reserves the payment on your bills account before it's due, charge by charge. The card bill stops being a monthly ambush; it's already spoken for by the time it arrives.

Points people, this is how you keep the rewards without the end-of-month surprise.

Free forever. Upgrade when you're ready.

The free plan is the full forecast for one account. The paid plan runs your whole system.

Every new account starts with 14 days of everything: cards, savings goals, all of it. No credit card. When it ends, you keep the free plan and all your data.

Free Forever

Free

$0

no credit card, no expiration

  • One account with the safe-to-spend forecast
  • Bills, paychecks, and one-off transactions
  • Balance chart with your lowest point, 3 months out
  • Export your data anytime
Recommended

Paid

$4/month

billed annually as $48 (save $24 a year), or $6 month to month

  • Credit cards with statement-cycle payment tracking
  • Savings accounts with named goals: emergency fund, trip, down payment
  • Unlimited accounts, working together
  • Forecast up to 5 years ahead
  • Spending breakdown: where your money is headed

Cancel anytime. You land back on Free, never on a locked screen.

One avoided overdraft fee pays for 8 months.

Method questions

Two accounts is the method: the separation is what makes spending guilt-free. But the app itself works fine with one checking account; plenty of people start there and open the second account once they've seen their number. Most banks let you open a second checking account in minutes, free.
That's exactly the question SpokenFor answers. It forecasts every scheduled bill and paycheck, finds your balance's lowest upcoming point, and shows what must stay. Everything above that line can move to spending.
Cards fit the method cleanly: everyday card spending is spending-account money routed through the card. SpokenFor tracks the card by statement cycle and reserves each payment on your bills account before it is due, so the card bill never catches you off guard.
The forecast works from whatever schedule you give it, and you can add or adjust income as it lands. Irregular earners mostly use the lowest-point math in reverse: it shows the minimum cushion the bills account needs before anything moves to spending.
Never, on any plan. You type in your bills-account balance and confirm what cleared in about a minute a day. Your spending account never enters the app at all, so your everyday purchases stay completely private.
Free forever for one account with the full forecast, which is the method: the app only needs your bills account. Every new signup starts with 14 days of everything, no credit card. Paid adds credit cards, savings goals, and unlimited accounts.

Ready to know what's spoken for?

Ten minutes of setup. One number. Guilt-free spending from here on.

Free forever. No credit card. No bank login.