Don't get beat up by your bills
Upbeat Money is a budgeting program for Windows. It works out what each paycheck has to cover, what's truly safe to spend, and the fastest way out of debt. No bank logins, no ads, and your numbers stay on your PC.
Windows 10 and 11. Try everything for 15 days, then buy direct or from the Microsoft Store.
Most money apps are trackers. They show you where your money went after it's already gone. Upbeat Money works the other way: it plans ahead. Tell it your paychecks and your bills, and it shows which paycheck covers which bill and how much is truly safe to spend.
Paid every week or every two weeks? Monthly budgets don't fit. Upbeat Money lines every bill up against the paycheck it comes out of, warns you when a bill lands after a rent check, and tells you what to hold back so nothing gets paid out of rent money by mistake.
One button shows the sum, line by line: what came in, what's due, gas and groceries, and a cushion that's never counted as spare. Then it says exactly where the spare money should go and when that debt will be gone.
Snowball (smallest balance first), Avalanche (highest interest first) or Cash Flow (frees up monthly payments fastest). See the order, the payoff dates and the interest for each, and log extra payments as you make them. When a debt is paid off, its payment rolls onto the next.
SNAP, LIHEAP or a health allowance card? Each one is kept as its own account. It pays only the bills it's allowed to, it's never counted as cash in your bank, whatever you don't use rolls over the way it really does, and you're warned before a card runs short. Almost no budgeting app handles this.
Bills that pay themselves from a second account, and how much is safe to move into it.
Log a check or stub and keep a copy. Save a record of any pay period as a PDF.
No account to sign up for, no bank login, no cloud. Back it up to a USB stick in one click.
Drop a PDF in and your take-home pay and payday fill in by themselves.
Drop a bill or card statement in and the amount, due date and balance fill in.
Plan deposits into savings, and see a year of each bill's real amounts.
Someone who chips in, but not always on time? Tick Wait for it and their money isn't counted until it lands, so you never spend it early.
Card balances that keep themselves current, and a list of things to save up for with a share of each check.
Unpaid bills turn yellow, then orange, then red as the due day comes. Bills you pay for family with their money stay out of your numbers.
The program comes with everything above that isn't marked add-on. Add-ons are bought one at a time, only if you want them - see prices.
Put your own numbers into the live demos - your paychecks, your debts, a benefits card - and see what Upbeat Money does with them, step by step.
Upbeat Money is made by one person, not a big company. It was built to plan a real household's paychecks and bills, then turned into something anyone can use. Questions, ideas or problems go straight to the person who makes it.
Upbeat Money