Free · No bank connection
Every paycheque, know what's already promised
and what's actually yours.
Budget3 calculates what you already need to reserve, then shows you what's left.
A budget ready from your first session · No credit card required
Budget3 — Dashboard
Remaining capacity / month
$1,240
Income / month
$3,850
Commitments / month
$2,610
Upcoming commitments
- Rent1st of month$1,150
- GroceriesWeekly$185
- Rent1st of month$1,150
- GroceriesWeekly$185
- Car insurance15th of month$92
- Emergency fundEvery paycheque$125
- Works even with a single bank account
- Set it up once, adjust when your situation changes
Why it changes everything
"I think I'll be fine."
"I know I'll be fine."
The difference isn't more money. It's a plan where every future commitment is already funded.
Budget3 won't tell you "you spent $127 at Tim Hortons". It tells you: "here's what you can actually afford".
A look inside
A simple interface, built mobile first
A preview of the budget app, with sample data.
Swipe to see the other screens
What you get
Three answers, every payday
Financial capacity and utilization rate
What's truly left once every commitment is accounted for, and how much of your income is already spoken for.
Minimum required balance
The amount that should already be set aside today to cover your future commitments — in total and per account.
3 to 36-month projection
How your situation evolves over time, including changes you've already planned.
The method
Four steps, one setup
Budget3 applies the “pay yourself first” method: reserve your money at the source, before it gets spent.
- 1
Plan your net income
Only what actually lands in your account. No gross pay, no tax math. Fixed or variable income, employee or self-employed.
- 2
List your commitments
Rent, groceries, insurance, debt, investments, savings goals. Each commitment has an amount, a frequency and a date.
- 3
Reserve at the source
Budget3 turns every future commitment into an amount to set aside today. That's the minimum required balance: money already promised, that you shouldn't spend.
- 4
Schedule your transfers
Budget3 calculates the recommended transfer for each occurrence and each account. You schedule them once at your bank, and the funding chain does the rest.
Your starting point
One, two or three accounts: you choose
Budget3 works with a single account. Extra accounts are always optional.
Simple
1 account · 1 credit card
One account to watch. Every commitment is paid from the main account, and the credit card is repaid from there too.
Ideal if : You want to start fast, without opening a new account.
Good to know : No separation between reserved money and free money.
Intermediate
2 accounts · 1 credit card
Your essentials are protected from payday: the main account transfers to the reserve, which pays commitments and the card.
Ideal if : You want money reserved at the source without juggling accounts.
Good to know : All reserved money sits in a single account.
Optimal
3 accounts · 1 credit card
Essentials protected, the rest under control: the reserve feeds the daily account weekly and the credit card.
Ideal if : You want every account to have one clear job and a natural cap.
Good to know : Requires three bank accounts: check your banking plan's fees.
You can also build your own structure. Whichever model you start with, you can change everything later.
The story
Why I built Budget3
After going back to school for engineering in my mid-thirties, I finished with roughly $25,000 in debt. A more stable income was coming, and with it a pile of questions: am I okay? How long to pay this off? Can I afford anything at all?
A spreadsheet, my income, my commitments, my scenarios. The realization was immediate: about $1,000 per paycheque, debt cleared in a year.
It wasn't a feeling anymore, it was a calculation.
2016 → 2026 · ten years of validation
The spreadsheet
The method, validated over years — for myself first.
A first app
Built too fast, far too complex. Abandoned.
Back to the method
Keep what actually worked, drop the rest.
Budget3
The same method, made simple and accessible.
Dominic
Founder of Budget3
“Money is still a taboo for many people. If Budget3 makes it a little clearer and a little less stressful, it's doing its job.”
FAQ
Frequently asked questions
Know what's left, starting with your next payday
Build your budget for free and find out what you can actually afford.
Create my free accountFree · No credit card · No bank connection