About
Most budgeting apps are rearview mirrors.
Last month
You spent $847 on dining.
...thanks. Now what?
Right now
$127
left to spend today
Every popular budgeting app does the same thing. You link your bank account, wait a few days, and get a color-coded breakdown of money you already spent. A pie chart that says you spent $847 on dining last month. Thanks. Now what?
ChaiSpend works the other way. It tells you what you can spend today to stay on track with your income, your bills, and your goals. One number, updated every morning. Spend within it and you're good. Go over and it recalculates tomorrow. No lectures, no shame screens, no tweaking required. Our algorithms have you covered.
Hard commitments, not corporate values.
We will never sell your data.
Many popular budgeting apps monetize your transaction history through data broker partnerships and consumer insights programs. Our only revenue is subscriptions.
We will never show you ads.
No sponsored content, no "partner offers" based on your spending, no affiliate credit card recommendations.
We will never see your bank password.
All connections run through a PCI DSS certified provider. Your credentials go directly to your bank. They never touch our servers.
We will never profit from your anxiety.
No streak badges, no spending shame notifications, no gamification designed to make you open the app more. You check your number in the morning and get on with your day.