Budgeting for family and friends
Live by one number.
Per Diem connects to your banks and keeps one number current: dollars per day remaining this month. Hold steady at your number and you are on budget. Above it, you have slack. Below it, you are overspending.
Want to look around before connecting a bank? Sign in, then enter the word demo instead of a SimpleFIN token to load sample data.
Your number
Say yours is $200. Most people cannot name their number before the app computes it. You will take a guess at signup, then live against the real one. Bills land, paychecks arrive, and the number holds, rises, or falls with what you actually spend.
Connect
Link your banks through SimpleFIN. Your bank credentials never touch this app. SimpleFIN charges $1.50 per month and you hold the keys.
Confirm
The app reads 90 days of transactions and finds the patterns: rent on the same day each month, paychecks twice a month, repeating wires. You confirm what is real. Nothing is created without you.
Live by it
The number is what is left for daily life after the bills: groceries, dining, shopping all come out of it, no budget lines needed. Charges match to bills on their own; new vendors ask once. Check it daily and keep it steady.
Free while it grows. Plain disclosure: the operator of this server administers the database and could technically see transaction data. Bank credentials never touch the app; SimpleFIN holds them.