In development A little support. A lot less to carry.

Life happens.
Get BackUp.

BackUp is a personal budgeting and bill-planning app. It brings your paydays, bills and transaction history into one plan so you can see which bills need funding and understand your spending.

Built for people who

find managing money hard
feel anxious about paying bills
forget due dates
want back some time in a busy life

Link your checking. BackUp finds your paycheck, recurring bills, and subscriptions, with their due dates.
Get a plan. It works out how much each paycheck needs to cover your bills on time.
Review what needs attention. See bills due before your next paycheck, funding shortfalls and practical spending insights.

Planning is available in the beta. Automatic transfers described below are the intended launch experience and are not enabled yet.

Google sign-in uses your name, email address and basic profile to identify your BackUp account. It does not give BackUp access to your inbox, contacts or files. Read our Privacy Policy.

See how it works See your paycheck differently How BackUp works

How your money moves with BackUp

Your paycheck gets a plan before you spend it.

✓ Finds your pay and bills✓ Protects bill money first✓ Warns before shortfalls✓ Keep your everyday bank

Who BackUp helps, and how

For those of us who think,
“Why is this still so hard?”

You have the income and the best intentions. If one of these sounds like you, here’s how BackUp helps.

THE FORGOTTEN BILL

“I had the money.
I meant to pay it.”

How BackUp helps

Your bills and due dates go into one plan, and each bill’s share is set aside automatically every payday.

THE SPENDING SPIRAL

“I thought I had
more room to spend.”

How BackUp helps

Bill money moves to a separate Bills account first. Safe to Spend shows what’s actually yours to use.

THE ANXIETY LOOP

“I’m afraid to look.
I’m already behind.”

How BackUp helps

A catch-up plan works alongside your current bills, with one clear next step and visible progress toward being current.

THE BIG-BILL PAYDAY

“One bill eats
a whole paycheck.”

How BackUp helps

Bill smoothing spreads large bills across your paychecks before they’re due, so no single payday has to carry them.

THE SURPRISE CHARGE

“I didn’t even know
that was coming.”

How BackUp helps

Forward bill emails or upload statements and BackUp finds upcoming bills, renewals, and price changes, and subscription review points out ones worth a second look.

THE SAVINGS THAT NEVER HAPPENS

“I want to save,
but nothing’s left.”

How BackUp helps

After your bills are covered, a fixed amount or percentage goes to savings automatically, and the rest goes to the checking account you already use.

Everything BackUp does

One connected plan.
From bills to breathing room.

BackUp finds what you owe, plans each paycheck around it, protects the money, and keeps watch.

It finds what you’d otherwise have to track down.

Your paycheck, recognized

Learns your pay schedule from deposit history, including holiday shifts and three-paycheck months.

Bills and subscriptions, discovered

Spots recurring charges for you to confirm. Link your bank or upload a statement file.

Bills your bank can’t see yet

Forward bill emails or upload statements to catch invoices, renewals and price changes. Linked cards and loans keep due dates current.

It plans every paycheck, down to the cent.

Big bills, smaller bites

Spreads large bills across paychecks: $1,200 rent becomes $600 from each of two.

Your next paydays at a glance

See what each upcoming paycheck covers and what your balance should look like after.

“What if?” before it happens

Preview a smaller paycheck, a bigger bill or an earlier due date, and see the exact change.

It protects bill money before it gets spent.

Paycheck protection

When pay arrives, your bill share moves to your Bills account. The rest goes to your everyday bank.

Safe to Spend, with receipts

One clear number for what’s yours, with every dollar traceable to where it went.

A way to catch up

A catch-up plan for past-due bills, with visible progress and a projected caught-up date.

It watches so surprises show up early.

Heads-ups before trouble

Alerts for lower or missed pay, bills that change, unusual charges and trials ending. Shortfalls are never hidden.

Subscriptions worth a second look

Cost history, price increases and possible overlaps. You decide what stays; BackUp never cancels for you.

Wins worth celebrating

Streaks of fully covered paydays, and a congratulations on your final payment.

How the money moves

Link your payments once.
Let payday do the work.

Set up once. After that, every paycheck funds your bills first and the rest goes where you choose.

First, put the accounts in place.

Set up two accounts

Open a direct deposit account and a Bills account, and connect your current bank so BackUp can find your bills.

Redirect your paycheck

Ask your employer to send your pay to the new direct deposit account.

Move your automatic payments

Point each automatic bill payment at the Bills account.

Choose your split

Confirm your bills and buffer, choose where the rest goes, then turn on automation.

Then, each payday follows the same order.

Your paycheck lands

BackUp works out this paycheck’s share of your bills, catch-up and larger bills.

Direct deposit account

Bill money moves first

That share moves to the Bills account, where your automatic payments draw from it.

Bills account

The rest follows your choices

Your savings share and the remainder go out as you chose. Your buffer stays put.

Savings + your checking

BackUp funds the Bills account; bills not on autopay still need to be paid separately.

Put a paycheck in perspective

The money was there.
Now it has a job.

Move the sliders to see how one paycheck gets split.

Big bill. Smaller bites.With two eligible paychecks before rent is due, $1,200 in rent becomes $600 set aside from each paycheck.

Actual funding depends on due dates, balances, pay timing, and your settings. BackUp will flag a shortfall when the plan can’t be fully funded.

Your paycheck, with a plan

Two eligible paychecks before monthly bills are due.

Take-home paycheck

$500$4,000

Monthly rent

$0$3,000

After bill protection, send to savings

Calculated from available funds after bill funding, catch-up, and the buffer.

Rent contribution$600.00

Other bill contributions$228.00

Catch-up contribution$75.00

Safety buffer$97.00

Planned protection & reserve$1,000.00

Available after
protection & reserve$800.00

To savings$160.00

To your checking$640.00

Illustration only; not a bank-account calculation or actual transfers. Other monthly bills total $456, split across two paychecks. Catch-up and buffer are fixed. Savings uses the available remainder; money sent to savings is no longer available for everyday spending.

Build room for what comes next

Get current.
Then get some breathing room.

Understand where your money goes, pay down what you owe, and set goals BackUp helps you keep.

See where your money goes

Spending charts and category totals over 30, 90 or 180 days, with practical suggestions and a plain-language review.

Pay down debt with a real plan

Track cards, loans and mortgages. See your payoff date and how much an extra payment could save.

Set goals in your own words

Type a goal like “save $1,000 by spring.” BackUp suggests a target, tracks progress and checks in weekly or monthly.

Make saving part of payday

Choose a fixed amount or percentage for savings after your bills are protected, with no decision to make each payday.

May help your credit, too. Funds ready for on-time loan and card payments support a positive payment history. Results depend on payments arriving on time and creditor reporting; a higher score isn’t guaranteed.

Learn more from the CFPB: payment history and credit scores · utility bill reporting.

Everyone needs some BackUp

You’re still
in control.

Automation should make money easier to manage. You choose when it starts, what it protects, and when it stops.

Try it before anything moves

Preview mode shows your plan without moving a cent. Pause anytime.

A reason for every dollar

Fixed rules calculate to the cent, and every amount is traceable.

AI explains. Rules calculate.

AI never decides how much to move or starts a transfer.

Your bank password stays yours

BackUp never stores banking logins, and connection keys are encrypted.

Private by design

AI never sees account numbers or balances. No data for advertising.

You choose what to share

BackUp only sees the bill emails you forward. Turn forwarding off anytime.

Good questions

A bit more
about BackUp.

Do I have to link my bank?

No. You can upload statement files from your bank instead, or add bills by hand. You review everything before it joins your plan.

Can I try it before enabling transfers?

Yes. Preview mode shows your bills, plans and Safe to Spend without moving any money. Money movement needs separate authorization.

Will I have to leave my current bank?

No. Keep your checking for everyday spending. BackUp adds a direct deposit account and a Bills account, then sends what’s left back to your checking.

Does BackUp pay my bills for me?

It funds them. Your bill share moves to the Bills account, and the automatic payments you link there pay your billers. Bills not on autopay still need paying.

What if my paycheck or a bill changes?

BackUp alerts you and replans. If there isn’t enough, it shows exactly how much is short instead of hiding it.

What happens if I’m already behind?

Add past-due balances and BackUp builds a catch-up plan alongside current bills, with visible progress.

How is my information protected?

BackUp never stores banking logins, connection keys are encrypted, BackUp only sees the bill emails you forward, and AI never sees account numbers or balances. Your data isn’t used for advertising.

Can I start using BackUp today?

BackUp is still in development and is not ready for public launch. We are testing the experience before opening it to everyone.

Fall behind? Get BackUp.