Stop guessing — stop stressing
see where you’re headed

DRIFTmoney shows you exactly where your cash is headed — days, weeks, months, and years from now. Enter your bills once, check your forecast anytime.

Open the App — it’s free → See how it works

No account  ·  No bank connection  ·  No subscription  ·  Runs in your browser

100% free
No bank connection
No account required
Data stays on your device
Setup in minutes

You’re not bad with money.
You just can’t see what’s coming.

The stress isn’t about how much you earn. It’s about not knowing if you’ll have enough when the bills hit.

The familiar feeling

Paycheck lands. Relief. Then three bills hit at once and you’re back to watching your balance nervously.

The timing trap

Your money looks fine today. But rent, insurance, and the car payment all land in the same week. You didn’t see it coming.

The late fee spiral

You had enough money. It just wasn’t in the right place at the right time. Now you’re paying $35 to learn that lesson again.

Three steps. Five minutes. Done.

No complicated setup. No categories to maintain. No daily logging. Just your recurring bills and income, and a clear view of what’s ahead.

Enter your recurring transactions

Add your bills, subscriptions, and paychecks once. Rent, Netflix, car payment, salary — whatever repeats. DRIFTmoney handles the rest automatically.

Set your current balance

Tell the app what your account balance is today. One number. You can update it anytime — the forecast adjusts instantly.

See where you’re headed

A running timeline shows your projected balance every day. Spot dips before they happen — days, weeks, months, or years out. No more surprises.

Different from every budget app you’ve tried

Budget apps track the past. DRIFTmoney forecasts the future. That’s a different problem — and a better answer to the stress you’re actually feeling.

Cash flow timing, not budgeting

Knowing you spent $400 on groceries last month doesn’t tell you if you’ll overdraft on Thursday. DRIFTmoney answers the question that actually matters.

Completely private

No bank connection. No account to create. Your data lives in your browser and never touches a server. Nobody can see it — including me.

Free — actually free

No subscription. No trial. No features locked away. I built this for people already stressed about money, not people who can afford another $15/month app.

Low maintenance

Set it up once, correct your balance occasionally when payday hits. No daily transaction logging. No categories to argue with. Five minutes of setup, months of clarity.

Common questions

Everything you want to know before you open the app.

Is DRIFTmoney really free?
Yes, completely free. I built it for people like me who needed clarity without another subscription. If it helps you, there’s a tip jar — but it’s entirely optional, and the app is fully functional without it.
Does DRIFTmoney connect to my bank account?
No. DRIFTmoney never connects to your bank and never sees your real account data. Everything runs in your browser and saves locally to your device. Your financial information never leaves your computer. There’s no server, no database, no account — nothing to hack.
How is this different from YNAB, Mint, or other budget apps?
Most budget apps focus on categorizing past spending — they help you understand where your money went. DRIFTmoney focuses on the future — specifically, what your balance will look like on any given day based on your recurring bills and income. It answers “will I have enough money on the 15th?” not “where did my money go last month?” That’s a different question, and for a lot of people it’s the more useful one.
Do I need to log every purchase?
No. That’s the whole point. DRIFTmoney is built around recurring transactions — the bills and income you already know about. You enter those once and occasionally correct your running balance when reality diverges from the forecast. No transaction-by-transaction logging required.
Do I need to create an account?
No account, no email, no sign-up of any kind. Open the app, enter your information, and it saves automatically in your browser. Bookmark it and come back anytime.
What if I want to use it on multiple devices?
You can export your data as a JSON file with one click and import it on any other device. Simple backup and restore — no cloud accounts required.
Is this a good free alternative to YNAB?
DRIFTmoney and YNAB solve adjacent but different problems. YNAB is a full envelope budgeting system that requires significant setup and daily engagement. DRIFTmoney is a lightweight cash flow forecasting tool — less powerful, less work, and free. If you’ve tried YNAB and found it overwhelming, or if you just need to know “will I be okay this month,” DRIFTmoney might be exactly right.

Stop guessing — stop stressing
see where you’re headed

Takes five minutes to set up. Works immediately. Free forever.

Open DRIFTmoney →

No account  ·  No bank connection  ·  No subscription