For households who feel constantly behind
Know your threshold.
Cross it safely.
Stop guessing what's safe to spend. Threshold tells you the one number you can trust — after every bill, every commitment, every promise.
Free forever. No credit card required.
Safe to spend
$214
through Wednesday
The truth nobody told you
You're not bad with money.
You just don't have the right tool.
Your bank balance lies by omission. It tells you what's there — not what's already promised. Every bill due Friday, every category you've budgeted, every cushion you're trying to keep — none of that is in the number you're staring at.
Threshold builds the real number — every day, before you spend.
How it works
Five minutes. Three steps.
01
Tell us when you get paid
Weekly, biweekly, monthly — your pay cycle becomes the calendar Threshold runs on.
02
Add what you owe
Rent, subscriptions, insurance, the budgeted categories. Threshold protects all of it before giving you a number to spend.
03
See your number — daily
One honest figure, every day, in plain English. No spreadsheets. No guessing. No surprises.
The Coach
The advisor who has been
watching the whole time.
Ask the Coach anything. It knows your balance, your bills, your patterns. It speaks first when something needs to be said. No generic advice. No chatbot script. A real translator for your real numbers.
Try the Coach free →Can I afford a $400 car repair right now?
Your safe-to-spend is $312, so $400 puts you $88 short before Friday's payday. Your next paycheck brings $1,100 — you could make this work if you hold off on flex spending this week. Want me to walk through it?
Pricing
Three honest plans.
Your number is waiting.
Know your threshold. Cross it safely.
Get started freeFree forever. Paid plans from $9.99/month.