Not a budget · a cash runway
See the day your cash runs low. Before it does.
Runway Now tracks the real dollars entering and leaving your bank account, day by day. Know exactly how much is left before the next paycheck, and down to the dollar, what you can safely move.
- Free to start
- No bank logins
- Works on your phone
Checking · next 30 days
Sample dataIn the bank today
$1,240
Lowest point
$76
Nov 17
- Nov 10 · Card payment-$612$690
- Nov 12 · Phone-$85$605
- Nov 14 · Utilities-$140$465
- Nov 17 · Car loan-$389$76
- Nov 21 · Paycheck+$1,860$1,936
$76 left on Nov 17 after the car loan — 4 days before payday. Move a bill or trim spending now.
Why not a budget
Budgets explain last month. Runway Now protects next Friday.
When money is tight, the category doesn't matter. The timing does: which bill hits first, what's still in the account that day, and whether a card payment can wait.
- The question it answers
- Typical budget app: Where did my money go last month?
- Runway Now: Will Friday's rent clear before payday?
- Direction
- Typical budget app: Looks back at categories
- Runway Now: Looks ahead, one day at a time
- A $64 card purchase
- Typical budget app: Counted as -$64 today
- Runway Now: $0 cash today. Counted when the card payment leaves
- 0% APR offers
- Typical budget app: Not tracked
- Runway Now: A payoff plan that finishes before the rate jumps
- Setup
- Typical budget app: Link your bank, then fix the auto-categories
- Runway Now: Type in the balances, paydays and bills you already know
Paycheck to paycheck
Every bill, with the balance it leaves behind
Your ledger runs forward from today's real balance. Each payday and withdrawal shows what's left in the account afterwards, so the tight days are obvious.
- Lowest point before each payday, highlighted
- Cash alerts when you'll dip under your own cushion
- Move, skip or resize a bill and the runway updates instantly
Paycheck to paycheck
Sample data- Nov 5Car insurance -$148$1,092
- Nov 7Paycheck +$1,860$2,952
- Nov 8Rent -$1,650$1,302
- Nov 10Card payment -$612$690
- Nov 12Phone -$85$605
- Nov 14Utilities -$140$465
- Nov 17Car loan -$389$76
- Nov 21Paycheck +$1,860$1,936
Cards counted honestly
A swipe isn't cash. The payment is.
Card purchases build up what you owe, not what's left in checking. Runway Now drops your cash on the day the card payment actually leaves, for the amount you choose to pay.
- Pay in full, the minimum, or a custom amount
- Statement and due dates drive the payment date
- Spendable cash never double-counts a purchase
Where the cash actually moves
Sample dataGroceries on Visa · Today
Card owes +$64
$0
cash today
Visa payment · Nov 10
Leaves checking on the due date
-$612
cash out
Your spendable number only drops when money really leaves the bank.
Use 0% APR deals on purpose
Finish the payoff before the rate jumps
Balance transfers and promo financing are only free if you clear them in time. Plan installments that fit your cash runway and see what happens if you only pay the minimum.
- Payoff plan through the promo end date
- Warnings when a balance would start accruing APR
- Installments show up in your day-by-day cash
0% balance transfer
Sample data$3,000 at 0% until Jun 30 · then 24.99% APR
Plan
$375/mo
$0 left when 0% ends
Minimum only
$60/mo
$2,520 hits 24.99% · ≈$52/mo interest
Each $375 installment lands in your cash projection, so you see it fits before you commit.
Made for people who watch every dollar
You live paycheck to paycheck
The gap between the 5th and the 19th has to work. See whether it does before it starts.
Your income or bills move around
Gig pay, commission, or bills that hit before payday. Move dates and watch the balance respond.
You play the 0% APR game
Balance transfers and promo financing that only pay off if every installment lands on time.
You already do this in a spreadsheet
Runway Now is that spreadsheet, on your phone, with recurring bills and alerts built in.
Your runway in about five minutes
- 1
Add what's in the bank
Checking, savings and cards. Just today's balances, no bank login.
- 2
Add paydays and bills
Set them to repeat weekly, biweekly or monthly. Card payments come from your statements.
- 3
Read your runway
See your lowest day before payday, get a warning if you'll dip under your cushion, and move things until it works.
Questions
Is this a budgeting app?+
No. Budgets sort past spending into categories. Runway Now plans the dollars that will actually leave or enter your bank account, and on which day.
Do I have to connect my bank?+
No. You type in balances and upcoming entries yourself. Your data stays private to your own login.
How are credit cards handled?+
A card purchase adds to what the card owes, not to your cash outflow. The payment from checking is what lowers your cash, on the day it's due.
Can it help with 0% balance transfers?+
Yes. Enter the promo balance and end date and Runway Now plans installments that clear it in time, and warns you if a balance would start accruing the card's APR, like $2,520 at 24.99% in the example above.
Know your lowest day before it arrives
Start with today's balance and your next paycheck. You'll see your runway in minutes.
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