Just you
Your accounts, your timeline, your budgets. Nothing in here assumes a partner.
Know if expenses are covered before they’re due.
Junipy is a budgeting and personal finance app that projects your income and expenses 90 days ahead, so you don’t have to.
Cash Flow
Example household$1,793.00
Today, Oct 19
Short by $287.00 on Nov 10, with rent and daycare landing before the Nov 12 paycheck.
| Date | Balance | Health | Status |
|---|---|---|---|
| Thu, Aug 20 | $1,593.16 | Healthy | Actual |
| Fri, Aug 21 | $3,259.16 | Healthy | Actual |
| Sat, Aug 22 | $2,534.16 | Healthy | Actual |
| Sun, Aug 23 | $2,534.16 | Healthy | Actual |
| Mon, Aug 24 | $2,479.16 | Healthy | Actual |
| Tue, Aug 25 | $2,329.16 | Healthy | Actual |
| Wed, Aug 26 | $2,329.16 | Healthy | Actual |
| Thu, Aug 27 | $2,329.16 | Healthy | Actual |
| Fri, Aug 28 | $2,052.98 | Healthy | Actual |
| Sat, Aug 29 | $1,867.98 | Healthy | Actual |
| Sun, Aug 30 | $1,867.98 | Healthy | Actual |
| Mon, Aug 31 | $1,812.98 | Healthy | Actual |
| Tue, Sep 1 | $162.98 | Low | Actual |
| Wed, Sep 2 | $162.98 | Low | Actual |
| Thu, Sep 3 | $360.98 | Low | Actual |
| Fri, Sep 4 | $1,914.58 | Healthy | Actual |
| Sat, Sep 5 | $1,686.58 | Healthy | Actual |
| Sun, Sep 6 | $1,686.58 | Healthy | Actual |
| Mon, Sep 7 | $1,631.58 | Healthy | Actual |
| Tue, Sep 8 | $1,400.46 | Healthy | Actual |
| Wed, Sep 9 | $1,400.46 | Healthy | Actual |
| Thu, Sep 10 | $1,186.46 | Healthy | Actual |
| Fri, Sep 11 | $1,151.46 | Healthy | Actual |
| Sat, Sep 12 | $966.46 | Low | Actual |
| Sun, Sep 13 | $966.46 | Low | Actual |
| Mon, Sep 14 | $911.46 | Low | Actual |
| Tue, Sep 15 | $791.46 | Low | Actual |
| Wed, Sep 16 | $791.46 | Low | Actual |
| Thu, Sep 17 | $1,629.46 | Healthy | Actual |
| Fri, Sep 18 | $3,155.46 | Healthy | Actual |
| Sat, Sep 19 | $2,837.69 | Healthy | Actual |
| Sun, Sep 20 | $2,425.69 | Healthy | Actual |
| Mon, Sep 21 | $2,370.69 | Healthy | Actual |
| Tue, Sep 22 | $1,830.69 | Healthy | Actual |
| Wed, Sep 23 | $1,830.69 | Healthy | Actual |
| Thu, Sep 24 | $1,830.69 | Healthy | Actual |
| Fri, Sep 25 | $1,611.19 | Healthy | Actual |
| Sat, Sep 26 | $1,426.19 | Healthy | Actual |
| Sun, Sep 27 | $1,426.19 | Healthy | Actual |
| Mon, Sep 28 | $1,371.19 | Healthy | Actual |
| Tue, Sep 29 | $1,371.19 | Healthy | Actual |
| Wed, Sep 30 | $1,323.19 | Healthy | Actual |
| Thu, Oct 1 | $511.19 | Low | Actual |
| Fri, Oct 2 | $2,177.19 | Healthy | Actual |
| Sat, Oct 3 | $962.19 | Low | Actual |
| Sun, Oct 4 | $962.19 | Low | Actual |
| Mon, Oct 5 | $864.19 | Low | Actual |
| Tue, Oct 6 | $769.19 | Low | Actual |
| Wed, Oct 7 | $769.19 | Low | Actual |
| Thu, Oct 8 | $624.19 | Low | Actual |
| Fri, Oct 9 | $589.19 | Low | Actual |
| Sat, Oct 10 | $128.99 | Low | Actual |
| Sun, Oct 11 | $128.99 | Low | Actual |
| Mon, Oct 12 | -$136.01 | Critical | Actual |
| Tue, Oct 13 | -$136.01 | Critical | Actual |
| Wed, Oct 14 | -$181.00 | Critical | Actual |
| Thu, Oct 15 | $537.00 | Low | Actual |
| Fri, Oct 16 | $2,203.00 | Healthy | Actual |
| Sat, Oct 17 | $2,018.00 | Healthy | Actual |
| Sun, Oct 18 | $1,878.00 | Healthy | Actual |
| Today | $1,793.00 | Healthy | Actual |
| Tue, Oct 20 | $1,381.00 | Healthy | Projected |
| Wed, Oct 21 | $1,381.00 | Healthy | Projected |
| Thu, Oct 22 | $841.00 | Low | Projected |
| Fri, Oct 23 | $806.00 | Low | Projected |
| Sat, Oct 24 | $621.00 | Low | Projected |
| Sun, Oct 25 | $471.00 | Low | Projected |
| Mon, Oct 26 | $416.00 | Low | Projected |
| Tue, Oct 27 | $416.00 | Low | Projected |
| Wed, Oct 28 | $416.00 | Low | Projected |
| Thu, Oct 29 | $1,254.00 | Healthy | Projected |
| Fri, Oct 30 | $2,920.00 | Healthy | Projected |
| Sat, Oct 31 | $2,735.00 | Healthy | Projected |
| Sun, Nov 1 | $1,085.00 | Healthy | Projected |
| Mon, Nov 2 | $1,030.00 | Healthy | Projected |
| Tue, Nov 3 | $390.00 | Low | Projected |
| Wed, Nov 4 | $390.00 | Low | Projected |
| Thu, Nov 5 | $347.00 | Low | Projected |
| Fri, Nov 6 | $312.00 | Low | Projected |
| Sat, Nov 7 | $127.00 | Low | Projected |
| Sun, Nov 8 | -$18.00 | Critical | Projected |
| Mon, Nov 9 | -$73.00 | Critical | Projected |
| Tue, Nov 10 | -$287.00 | Critical | Projected |
| Wed, Nov 11 | -$287.00 | Critical | Projected |
| Thu, Nov 12 | $551.00 | Low | Projected |
| Fri, Nov 13 | $2,217.00 | Healthy | Projected |
| Sat, Nov 14 | $2,032.00 | Healthy | Projected |
| Sun, Nov 15 | $1,912.00 | Healthy | Projected |
| Mon, Nov 16 | $1,857.00 | Healthy | Projected |
| Tue, Nov 17 | $1,857.00 | Healthy | Projected |
| Wed, Nov 18 | $1,717.00 | Healthy | Projected |
| Thu, Nov 19 | $1,717.00 | Healthy | Projected |
| Fri, Nov 20 | $1,270.00 | Healthy | Projected |
| Sat, Nov 21 | $1,085.00 | Healthy | Projected |
| Sun, Nov 22 | $545.00 | Low | Projected |
| Mon, Nov 23 | $490.00 | Low | Projected |
| Tue, Nov 24 | $490.00 | Low | Projected |
| Wed, Nov 25 | $340.00 | Low | Projected |
| Thu, Nov 26 | $1,178.00 | Healthy | Projected |
| Fri, Nov 27 | $2,844.00 | Healthy | Projected |
| Sat, Nov 28 | $2,659.00 | Healthy | Projected |
| Sun, Nov 29 | $2,659.00 | Healthy | Projected |
| Mon, Nov 30 | $2,604.00 | Healthy | Projected |
| Tue, Dec 1 | $954.00 | Low | Projected |
| Wed, Dec 2 | $954.00 | Low | Projected |
| Thu, Dec 3 | $314.00 | Low | Projected |
| Fri, Dec 4 | $279.00 | Low | Projected |
| Sat, Dec 5 | $51.00 | Low | Projected |
| Sun, Dec 6 | -$44.00 | Critical | Projected |
| Mon, Dec 7 | -$99.00 | Critical | Projected |
| Tue, Dec 8 | -$244.00 | Critical | Projected |
| Wed, Dec 9 | -$244.00 | Critical | Projected |
| Thu, Dec 10 | $380.00 | Low | Projected |
| Fri, Dec 11 | $2,046.00 | Healthy | Projected |
| Sat, Dec 12 | $1,861.00 | Healthy | Projected |
| Sun, Dec 13 | $1,861.00 | Healthy | Projected |
| Mon, Dec 14 | $1,806.00 | Healthy | Projected |
| Tue, Dec 15 | $1,686.00 | Healthy | Projected |
| Wed, Dec 16 | $1,686.00 | Healthy | Projected |
| Thu, Dec 17 | $1,686.00 | Healthy | Projected |
| Fri, Dec 18 | $1,511.00 | Healthy | Projected |
| Sat, Dec 19 | $1,326.00 | Healthy | Projected |
| Sun, Dec 20 | $914.00 | Low | Projected |
| Mon, Dec 21 | $859.00 | Low | Projected |
| Tue, Dec 22 | $319.00 | Low | Projected |
| Wed, Dec 23 | $319.00 | Low | Projected |
| Thu, Dec 24 | $1,157.00 | Healthy | Projected |
| Fri, Dec 25 | $2,673.00 | Healthy | Projected |
| Sat, Dec 26 | $2,488.00 | Healthy | Projected |
| Sun, Dec 27 | $2,488.00 | Healthy | Projected |
| Mon, Dec 28 | $2,433.00 | Healthy | Projected |
| Tue, Dec 29 | $2,433.00 | Healthy | Projected |
| Wed, Dec 30 | $2,433.00 | Healthy | Projected |
| Thu, Dec 31 | $2,433.00 | Healthy | Projected |
| Fri, Jan 1 | $748.00 | Low | Projected |
| Sat, Jan 2 | $563.00 | Low | Projected |
| Sun, Jan 3 | -$77.00 | Critical | Projected |
| Mon, Jan 4 | -$132.00 | Critical | Projected |
| Tue, Jan 5 | -$175.00 | Critical | Projected |
| Wed, Jan 6 | -$175.00 | Critical | Projected |
| Thu, Jan 7 | $663.00 | Low | Projected |
| Fri, Jan 8 | $2,184.00 | Healthy | Projected |
| Sat, Jan 9 | $1,999.00 | Healthy | Projected |
| Sun, Jan 10 | $1,785.00 | Healthy | Projected |
| Mon, Jan 11 | $1,730.00 | Healthy | Projected |
| Tue, Jan 12 | $1,520.00 | Healthy | Projected |
| Wed, Jan 13 | $1,520.00 | Healthy | Projected |
| Thu, Jan 14 | $1,520.00 | Healthy | Projected |
| Fri, Jan 15 | $1,365.00 | Healthy | Projected |
| Sat, Jan 16 | $1,180.00 | Healthy | Projected |
| Sun, Jan 17 | $1,180.00 | Healthy | Projected |
- GasProjectedTransportation−$55.00after $1,823.00
- UTILITIES (pending)PendingUtilities−$30.00after $1,793.00
Example household: two paychecks, rent, daycare and a car.
We’re opening the doors a few households at a time. Works in any browser on any phone today; iPhone app at launch.
- Read-only. We can't move your money.
- We never see your bank login.
- Encrypted, always.
What you’ll stop wondering about.
Most money apps show you where your money went. Junipy answers the questions you actually ask in the middle of the month.
“Can we cover the bills this month?”
Junipy projects your checking balance day by day, 90 days out by default and a year out if you need to plan further ahead, with every paycheck and bill placed on the day it lands. You see the lowest point before you get there. The tight days before the Nov 12 paycheck show up on Oct 19, while there is still time to move something.
Plannedwhat the projection is built from
- Car paymentMonthlyTue, Oct 20−$412.00
- Cashback Card paymentMonthlyThu, Oct 22−$540.00
- GroceriesWeeklySat, Oct 24−$185.00
- Transfer to savingsMonthlySun, Oct 25−$150.00
- Paycheck (partner)Every 2 WeeksThu, Oct 29+$838.00
- PaycheckEvery 2 WeeksFri, Oct 30+$1,701.00
- RentMonthlySun, Nov 1−$1,650.00
- DaycareMonthlyTue, Nov 3−$640.00
Your paydays and bills, entered once. The timeline on this page is drawn from a list like this one.
“What's the credit card bill going to be?”
Junipy follows each card’s statement period, projects the closing balance before it locks, and puts the payment on your timeline so checking is ready for it. The bill stops being a surprise.
Cashback Card ending 4444statement period
Oct 18TodayCloses Nov 17
- Projected statement
- $540
- Payment on your timeline
- Thu, Oct 22
- Checking after it clears
- $841
“Are we spending too fast?”
A total tells you how much you’ve spent. Junipy’s budgets tell you whether you’re on pace for the month, adjusting every day. Groceries at 60% of the budget on the 19th is fine. Dining out at 100% gives you a heads-up.
October budgetsday 19 of 31
GroceriesOn pace
$476 of $800pace line at 61%
Dining outTrending over
$150 of $15012 days left
How it works
Set it up once. The setup wizard tells you how long each step takes before you start, and after that Junipy keeps the picture current on its own.
Step 1
Connect your accounts
Checking, savings, credit cards. The connection runs through Plaid, so we never see your bank login.
Step 2
Tell Junipy what repeats
Paydays, the mortgage, the car, daycare, the subscriptions. Enter each once. When the real charge hits, Junipy matches it automatically.
Step 3
Let Auto Budget draft the rest
Give it your take-home and a split you like (50/30/20, pay yourself first, or your own, with giving set aside first if you like) and Junipy proposes a full set of budgets. Keep what fits, change what doesn’t.
Step 4
Look ahead whenever you wonder
On payday, at the store, at 11pm when your mind can’t rest. The timeline already knows what’s next and what’s left. Want a heads-up before a cash-flow dip? You choose exactly what Junipy notifies you about and how often. Or nothing but security alerts.
Our custom Show me how guide system walks you through many setup tasks inside the app, screen by screen. We wanted setup to be intuitive and not something you dread or don’t have time for.
Who it’s for.
One plan, one price, whoever is in the picture.
You and a partner
One of you sets it up; the other just opens it and sees the answer. Same timeline, same plan, each with your own login, and quiet by default.
The whole house
Up to six people in one household. The household admin runs the plan, members see it, and everyone looks at the same numbers.
- JessAdminsets up, runs the plan
- MarcusMembersees everything
- RoseMembersees everything
Plus a side business
Simply toggle Business Tracking on in settings and use Junipy to also track your side hustle or business accounts in a separate view.
Budgets, the timeline, credit card tracking, insights, and Junipy Learn come with every account. Nothing is locked behind a tier.
We built this for our own family first.
For years our money lived in a spreadsheet, and every payday one of us spent an hour updating it so we could look ahead at our finances.
We wanted one place that showed both of us what was coming, not just what we’d already spent. With Junipy, we built the system we always wanted. Nate engineers data and infrastructure systems for a living; Brittany manages technical projects. Junipy is the culmination of over a year’s worth of planning, building, and refining, and is now offered in beta. Our own finances have run through Junipy exclusively every day since.
We hope it helps your household as much as it has ours!
Nate & Brittany
Founders, Junipy
We will never sell your financial data. If you ever want out, you can export everything and delete your account in a couple of clicks.
What happens with your bank data.
Bank connections run through Plaid
The same connection layer behind many of the finance apps and banks you already use. You sign in with your bank, not with us.
Read-only
Junipy can see transactions and balances. It cannot move money, make payments, or change anything at your bank.
We never see your password
Your bank credentials never touch our servers. We couldn't store them if we wanted to.
Encrypted in transit and at rest
Hosted on SOC 2 audited cloud providers, with encrypted backups.
Never sold, never shared for ads
Your subscription is the business model. Your data isn't.
Yours to take or delete
Export everything or delete your account, anytime.
The full version is in our security practices and privacy policy.
One plan, $12.99 a month.
No tiers, no add-ons, no per-person fees. Your whole household is included.
$12.99a month
Month to month, cancel anytime. Or $9.99 a month billed yearly ($119.88).
- Cash flow timeline, 90 days to a year
- Budgets with pace tracking, and Auto Budget to draft them
- Planned income and bills, month and year view
- Credit cards and loans: statements, payments, payoff
- Count card spending when you swipe or when you pay the bill
- Household sharing, up to 6 people
- Insights from your real numbers
- Show Me How guided setup
- Business tracking, if you need it
- Junipy Learn guides
- Any browser on any phone today; iPhone app at launch
- Export anytime, JSON
Join the waitlistThe waitlist is free. You only pay once you’re in and subscribe.
See what’s coming with Junipy.
Join the waitlist and we’ll email you the moment it’s your turn.