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SpokenFor charts every paycheck, bill, and card payment into one line: your forecasted balance, riding up and down through the months ahead. If it dips toward red, you get weeks of notice. If it runs green, save or invest the difference. No budgets, no categories, no bank connection.
Balance Over Time
Autopay Checking · next 4 months
The chart is the product: every scheduled dollar, one honest line.
0
bank logins, ever
$0
free plan, no expiration
~10 min
setup, once
~1 min
a day to stay accurate
Money doesn't sit still. It climbs on payday, bleeds through the week, drops hard when rent and the card payment land, climbs again. Whether you're fine isn't a number, it's a shape: does the wave ever touch zero?
Your banking app can't show you the shape. It says $2,431, today, a single dot with no idea what Friday's rent or next month's quarterly insurance bill does to it. So you scroll your memory instead of a chart, and you guess.
SpokenFor draws the whole wave, months ahead.
Scroll forward and read your future balance after every scheduled transaction. No budgets, no categories, no guessing. Just the line, and what it tells you to do.
No bank linking means nothing to connect, break, or re-authenticate. Three steps and you're forecasting.
What's in the account that pays your bills, right now. That's the whole setup: no logins, nothing to link.
The scheduled stuff: rent, subscriptions, card payments, income. Everyday spending stays out of it. No receipts, ever.
Your balance, projected through every scheduled transaction, one month out or twelve. Dips get flagged while they're still weeks away.
Behind the chart: every transaction with the running balance beside it.
The line only ever tells you two things, and both of them are good news, because you're hearing them early.
So you deal with it now, calmly: move a little over from spending, shift a payment date, trim one thing. A problem you see five weeks out is a chore. The same problem discovered at the register is a crisis.
That's not idle cash, that's a decision you now get to make on purpose: raise the savings transfer, top up the emergency fund, invest the difference. Keep the checking account lean because the line says you can.
SpokenFor is built for the two-account method: give your money two jobs, in two accounts, and most money stress disappears on its own.
Paycheck lands here. Rent, subscriptions, and card payments leave here on schedule. Every dollar in it is spoken for, and the forecast has one job: this account never fails.
Groceries, gas, dining out: it all comes from here, like cash in your pocket. No tracking, no categories, no judgment. If there's money in it, it's yours to spend.
Works fine with one checking account too. But most money apps demand every account you own; SpokenFor only needs the boring one.
Most money apps audit your past. This one guards your future.
Every scheduled transaction with your running balance beside it, charted as one line. Scroll a month ahead or a year; the dips are marked before you reach them.
Tell it your statement dates once. Every card payment is reserved on your checking account before it's due, split by statement cycle, charge by charge.
Name your goals: emergency fund, trip, down payment. Contributions ride the forecast like bills, so saving happens before spending does, and each goal shows the month it lands.
Scroll the forecast out to five years. Watch what the raise, the payoff, or the new rent actually does to your balance before you commit to it.
A forward-looking breakdown of your scheduled money by category. Not an audit of last month: a preview of the next one.
You confirm what cleared in about a minute a day, so your number always matches your bank. Nothing edits your balance without you.
That's the question your money app should answer in one glance. Open the chart, look at March, done.
Free forever. No credit card. No bank login.
Most money apps start by asking for your bank login. SpokenFor never does. There is no linking screen anywhere in the app: you type in a balance and the forecast does the rest. Your credentials stay with your bank, there's nothing here to breach, and we never sell data because we never have it. Your everyday spending never enters the app at all.
And one rule never changes: nothing edits your numbers without you. The forecast proposes; you confirm. That's why you can trust it.
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.
no credit card, no expiration
billed annually as $48 (save $24 a year), or $6 month to month
Cancel anytime. You land back on Free, never on a locked screen.
One avoided overdraft fee pays for 8 months.
Know what's spoken for. Spend the rest however you want.
Free forever. No credit card. No bank login.