Waitlist open

Know where you're headed.

Day-precise cash flow forecasting and scenario modeling for households that plan ahead.

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What you get

Every day of your financial future, mapped out for your whole household.

Headwise takes your income, bills, and spending habits and projects them forward day by day, and when you invite a partner or family member, everyone plans from the same set of numbers.

Net this month

+$842

Net this month

See what your month is projected to add to or take from your balance: income minus all planned expenses, shown as a surplus or shortfall and updated daily, so month-end holds no surprises.

Freedom Day

June 14

Freedom Day

The day your income covers every planned expense for the month. Everything after that is surplus you decide what to do with, and it's a number most budgets never show you.

Spending is 12% below forecast this month.

Spending Insights

Personalized observations based on your actual spending patterns rather than generic tips, so you see what you might miss on your own.

Financial Runway

8.2 mos

Financial Runway

How long your liquid savings can sustain your lifestyle without income. It's a number every household benefits from knowing, and most budgets never calculate it.

Minimums only
Your plan

Debt Paydown Planner

Avalanche or snowball: model both, see the interest savings, and pick your strategy. The paydown math is already done for you.

Runway now

8.2 mos

→

With raise

11.4 mos

Scenario Modeler

Test what happens if you buy a car, get a raise, or cut a subscription, and see the real monthly impact before you commit.

Trader Joe'sGroceries$64.12
ShellTransport$41.80
NetflixSubscriptions$15.49

Automated Actuals

Transactions sync automatically from your connected accounts, and every entry is categorized automatically as Headwise learns your merchants over time.

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T
W
T
F
S
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Bill Calendar

Every upcoming bill and expected income plotted on a calendar. See cash flow by day so you know exactly when money is tight or flush.

J
A

You and Jordan share one budget.

Household Sharing

Invite a partner or household member to share the same financial picture, so everyone works from one budget and one plan.

B+

Headline findingSpending down 8% from May. On pace for a strong June.

Monthly Report

A plain-English summary of your household's financial health each month, with your grade, a headline finding, and three suggested next steps.

Coming to your pocket

Check your forecast from your phone or your wrist.

A native app is in development that will bring the same Net this month, Freedom Day, and Daily Spend figures (your daily spending pace and whether it protects your Freedom Day) to your phone and your wrist.

9:41
100
Headwise

Net this month

+$842

projected surplus this month

Total Available Cash

$12,400

checking + savings

Financial Runway

8.2 mos

non-discretionary

Cash Flow
1M3M6M

Freedom Day

June 14

Expenses covered; the rest is surplus

Income covers expenses by day 14, with 16 days of surplus left.

Dashboard
Calendar
Budget
Debt

Before you open it

See where you stand without unlocking your phone.

Every surface below pulls from the same forecast the app shows, and each one takes less effort to reach.

Home screen widget

Coming with the app

Freedom Day

June 14

Daily Spend$68/day

Sits on the home screen next to the app icon. Refreshes a few times a day from the same numbers the app shows, so you don't need to unlock your phone or open the app.

Lock screen widget

Coming with the app

9:41

Tuesday, June 3

Freedom Day

June 14

Day 18 of 30 · on pace

Headwise shows your Freedom Day, plus a thin pace bar that tells you whether you're on track.

Watch complication

Coming with the app
9:41
DAY 14

A raised wrist beats a pulled-out phone for a single glanceable number.

Push notification

Coming with the app
Headwise now

Daily Spend ticked up to $74/day. Freedom Day would slip to June 16 at this pace.

You get this the moment your pace changes, powered by your connected accounts.

Any pay schedule

Whether you're paid every two weeks, once a month, or whenever clients pay, Headwise forecasts it the same way.

Enter each paycheck or expected payment on the day it arrives, and Headwise builds your calendar, forecasts your balance day by day, and works out your Freedom Day and your net each month from it, whether you're salaried, on commission, freelance, or a mix.

Any payment frequency

Weekly, bi-weekly, semi-monthly, monthly, quarterly, or individual dated payments you enter yourself.

Spot tight weeks early

The lowest point your balance is headed for shows up before you reach it, so a slow week doesn't catch you off guard.

Estimates from your deposits

When no payments are entered for a month, Headwise estimates from the average of your last few months of deposits.

How Headwise compares

Most budgeting apps explain where your money went, while Headwise shows you where it's headed.

What you want to knowTypical budgeting appsHeadwise
Where did my money go?Categorized spending and budget vs. actual
What will my balance be on any day ahead?A day-by-day projection of bills, income dates, and your spending habits
When will money get tight?The lowest point your balance is headed for, before you reach it
Is my forecast realistic?Adjusts for how you actually spend compared with your plan
What if I change something?Test a car, a raise, or a lost client before you commit
How long could I cover the essentials without income?Financial runway in months
Can it explain the numbers in plain English?Observations from your own data, not generic tips

Standard or fully covered Some apps, or partly Rarely offered

Headwise is built for the next few months, where a forecast rests on real paychecks and bills and can be checked against what happens, rather than decades-long projections.

Based on publicly described features of leading budgeting apps as of October 2026. This comparison covers day-by-day, cash-based forecasting over the next few months. Some apps, such as Quicken Simplifi, PocketSmith, and Monarch, also offer forward-looking projections, which range from long-term planning to near-term balances, and features change often.

Getting started

Get up and running in a few minutes.

Connect your accounts and add your income, and Headwise sorts your transactions, builds your starting budget, and keeps your forecast current automatically.

Step 01

Add your income

Enter each income source and when it arrives, whether you're salaried, paid on commission, or freelance, so Headwise can project your cash forward accurately.

Step 02

Connect your accounts

Securely link your bank accounts through Plaid with read-only access, and your balances and transaction history import automatically.

Step 03

Follow your forecast as you spend

Headwise sorts your transactions, builds your starting budget, and shows your net for the month and your Freedom Day, updating automatically with every new transaction.

Questions

Answers to common questions.

If we missed yours, email us and we'll get back to you.

How is this different from a budgeting app?

Budgeting apps typically focus on categorizing where your money went, while Headwise runs that same data forward to show your net for the month, your Freedom Day, and what's still coming before your next paycheck, so reviewing the past is only the starting point.

Can my partner or family use it too?

Yes. Invite a partner or household member and you both see the same budget, forecast, net for the month, and Freedom Day, so one plan drives every decision.

Does it work if my income is irregular?

Yes. Headwise forecasts irregular income the same way it forecasts a regular paycheck: you enter each expected payment on the date you expect it, or let Headwise estimate from your recent deposits, and your calendar, day-by-day balance forecast, your net for the month, and Freedom Day follow from there. It supports commission, freelance, bonus-based, self-employed, and mixed-income households.

Is my financial data safe?

Your data is encrypted at rest and in transit, and access is locked down so only you can see your own information. When AI features use your data, Headwise sends only what a feature needs, such as amounts, categories, merchant names, and the labels you give your accounts, never your email or bank login credentials. Full details in our Privacy Policy.

Do I need to connect my bank account?

Connecting your accounts is how Headwise works best: you link them once through Plaid, the same technology used by Venmo, Robinhood, and thousands of other apps, and your balances and transactions import and stay current automatically. Plaid gives Headwise read-only access, so Headwise can see your activity but can't move money, and your bank login credentials never touch Headwise. If you'd rather not connect an account, you can still add it manually and upload its transactions from a bank export at any time.

What should I expect after joining the waitlist?

We review every signup personally and open access in small waves rather than all at once. You'll hear from us with launch updates and an invite when a spot opens up.

Is Headwise financial advice?

No. Headwise provides forecasts, projections, and educational insights based on your own data. It isn't financial, investment, tax, or legal advice. For those decisions, talk with a licensed professional.

Will you sell my data?

No. We don't sell personal information, and we only share data with the handful of service providers that make the app work (see the Privacy Policy for the full list).

Early access

Be among the first to use Headwise.

We're opening Headwise in small waves, and everyone on the waitlist gets priority access and launch updates.

Your data is used only for early access and launch updates. We won't send you marketing email without your permission. Read our Privacy Policy.

You're on the list.

Thanks. We review every signup personally and open access in small waves. We'll be in touch with next steps and launch updates.