Karat · money planning app
Don't go broke on a guess.
Add the money that has actually hit your account, what you've spent, and what still has to be paid. Karat shows the math before signup, then gives you one place to run your budget, spending, goals, debt, forecasts, and net worth.
Three numbers. No bank login. No card.
How it works
Three numbers in. One answer out.
- Add pay received, spending so far, and bills still due.
- See your daily pace and every line of the math.
- Save it only if you want Karat to remember.
One home for the basic jobs
Budget, spending, goals, debt, and net worth stay connected.
Today
See your daily spending pace, the days left, and the math behind both.
Budget
Plan around take-home pay, recurring bills, and the money that is still unassigned.
Spending
Log an expense and keep the daily number tied to what actually happened.
Goals and debt
Track a target, model a payoff, and follow the gap between what you own and owe.
Why the plan keeps moving
A useful budget is updated, not declared finished.
Income, bills, and spending change. The national saving rate changes too. The chart is context, not a target for your household.
Karat keeps the arithmetic visible so you can change an input and see what changed.
Start before signup
Get the number before we ask for an email.
Enter money received, spending so far, and bills still due. Karat shows your daily pace first. Create an account only when you want to save the plan and come back to it.
Open the full Karat appLearn · plan · ask
Learn the rule. Run your numbers. Ask for help only if you want it.
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Learn
Take the quiz or read a guide. You get the answer before any signup.
Take the free quiz -
Plan
Put three current numbers into Karat. See your daily pace and save it only if it is useful.
Meet Karat -
Ask
Want another set of eyes? Ask Zach after you have a result. This step is optional.
Ask Zach