Free to start. No bank login needed.

Know what's safe to spend before you spend it.

Your bank shows what you have today. Blue Collar Budget shows what you'll have on the 14th, after rent, the car payment, and Friday's paycheck. Put your bills and income on a calendar and see every day's balance before it happens.

Start budgeting free See how it works

No spreadsheets
Works on your phone
Share with your partner

Safe to spend

$630

Every bill for the next 2 weeks still gets paid.

Try it

Can I spend…

Bills don't wait for payday.

Most budgets look backward at what you already spent. We look forward, day by day, so the short weeks don't sneak up on you.

One number you can trust.

Safe to spend is the lowest your balance gets in the next 30 days. Spend less than that and every bill still clears.

Your data stays yours.

No linking your bank account. You enter your balance and your bills, and that's it.

The calendar

See your money the way it really moves: over time.

Every bill and paycheck lands on the day it actually happens, with your balance at the end of each day. Green means you're good. Red means you'll come up short, and you'll see it weeks ahead.

Next two weeks

Income Bill

Thu

Fri

Sat

Sun

Mon

Tue

Wed

12 $1,240

$1,240

13 $1,240

$1,240

14 $1,100

Electric bill $1,100

15 $1,100

$1,100

16 $715

Car payment $715

17 $630

Phone $630

18 $630

$630

19 $2,080

Paycheck $2,080

20 $2,080

$2,080

21 $980

Rent $980

22 $980

$980

23 $980

$980

24 $820

Car insurance $820

25 $820

$820

Repeating bills and paychecks

Set rent, the phone bill, or a biweekly paycheck once and it fills in every month on its own.

Can I spend it?

Thinking about new tires or a night out? Type in the amount and get a straight yes or no, plus which bill it would put at risk.

Budget together

Share your calendar with a partner so you both see the same bills and the same number. No more "did you pay the electric?"

Summary at a glance

End of week, end of month, how much went to savings, and how long until the next paycheck, all on one screen.

Drag to reschedule

Bill got pushed back? Drag it to the new day and watch every balance after it update instantly.

Made for your phone

Check your number in the truck, on lunch break, or in the checkout line. Dark mode included.

Debt payoff planner

Get a real date for when you'll be debt-free.

Add your credit cards, pick how much you can pay each month, and compare the three proven ways to pay them down. We'll show you exactly how much goes to each card, when the last one hits $0, and how much interest each plan costs.

Avalanche: highest interest rate first.
Snowball: smallest balance first.
Equal: same amount on every card.
Send this month's payments straight to your calendar in one tap.

Paying $400/month

$5,650 across 3 cards

Debt-free by: Feb 2028; 1 year 4 months
Total interest: $741; Least interest of the three

This month's payments

Store card 26.99% APR $250.00
Visa 22.9% APR $95.00
Mastercard 17.5% APR $55.00

Debt-free by: Mar 2028; 1 year 5 months
Total interest: $804; $63 more than Avalanche

This month's payments

Store card 26.99% APR $250.00
Mastercard 17.5% APR $55.00
Visa 22.9% APR $95.00

Debt-free by: Mar 2028; 1 year 5 months
Total interest: $797; $57 more than Avalanche

This month's payments

Mastercard 17.5% APR $133.33
Store card 26.99% APR $133.33
Visa 22.9% APR $133.33

Example cards. Your plan is calculated from your own balances and APRs.

How it works

Set up in three steps. Done before your coffee's cold.

1
Enter your current cash

Type in what's in your checking account right now. That's your starting line.
2
Add your bills and paychecks

Put each one on the day it hits. Set it to repeat and it shows up every month after that.
3
Know where you stand

Your balance plays forward day by day. Green is good, red means a bill is coming up short.