$ Household budget · privacy first
Stax Budget matches your bills to the paycheck that pays them, tracks what’s paid and what’s actually cleared, and tells you exactly how much more you need, in dollars and in hours.
45-day free trial · No bank login · Encrypted on your device
01 Start here
Most budgets split the month into categories. Real life splits it into paydays. Stax Budget plans each bill against the paycheck that has to cover it.
Rent, the car payment and the phone bill all land before the next paycheck. A monthly total hides the squeeze until it’s already happened.
Put each bill in the pay period that pays it. Stax Budget compares that paycheck’s income with that paycheck’s bills and shows what’s available, or what’s missing.
Fixed pay, hourly pay, or a one-time amount. Switch any entry on or off.
Estimate, due date, category and account, placed in the paycheck that covers it.
Swipe to record a payment. Mark it cleared when it leaves your account.
See each pay period on its own, or the whole month together.
Know what must stay in each account until every payment lands.
A shortfall becomes “3.5 hrs at $22.50/hr”, not just a red number.
02 Inside the app
Numbers
The Numbers tab leads with one figure: available after bills, or make-up needed. Below it: total to pay, already paid, still needs paid, and waiting to clear, for a single paycheck or the whole month.
Bills
Give each bill an estimate, then record the actual total. Split a payment across dates or accounts. Swipe right to pay; swipe again to clear. Sort and filter any list.
Clearing
A payment you sent last Tuesday may not leave your account until Friday. Stax Budget keeps paid-but-not-cleared payments grouped by account, so you don’t spend money that’s already spoken for.
Reports
A category breakdown, a six-month trend, coverage for each paycheck, and how close your estimates were to what you really paid. Reports are worked out on your device from your own records.
▣ Everything included
Hourly pay turns a shortfall into the hours you need to work.
Repeating bills and income fill the new month. Unpaid bills carry forward.
Keep a month or the whole budget, then copy it or start a new budget from it.
Invite editors and viewers by email. Everyone keeps their own login.
18 preset colors plus your own, and tags for anything else.
Keep the household budget apart from a side business or a trip.
Edit with no signal. Changes sync in the background once you’re back.
Follow your system theme and pick the home-screen icon you like.
◆ Privacy
Bills, amounts, income, categories and budget names are encrypted on your device before anything syncs. Our server stores sealed records it cannot open, and it never needs your bank login because it never asks for one.
! Honest boundary
Forgot your password? Use the 12-word recovery phrase you saved at sign-up.
Lost the phrase? Sign in with your password and make a new one soon.
Lost both? The budget can’t be decrypted, not even by us. Support can’t bypass it.
? FAQ
It is built around your paychecks. Each bill belongs to the pay period that covers it, so you see whether this paycheck covers its bills, how much is still going out, and how many extra hours would close the gap.
No. There is no bank login, no Plaid, and no transaction import. You record what you pay, and the account names you use are just labels. Your bank credentials never touch Stax Budget.
Paid means you sent the money. Cleared means it has left your account. Stax Budget tracks them separately, so you always know how much must stay in each account until everything clears.
Yes. Invite someone by email as an editor or a viewer. Each person signs in with their own account. If you remove someone, the budget gets a new key and is re-encrypted, so new changes are locked to the people who remain.
No. Bills, amounts, income, categories and budget names are encrypted on your device before they sync. The server stores encrypted records and never receives your password or recovery phrase.
Every account starts with a 45-day free trial with every feature. After that it is $0.99 a month or $9.99 a year, and one subscription covers you and up to five other accounts.
$ Simple pricing
Every account starts with a 45-day free trial with every feature. After that, one subscription covers you and up to five other people, each with their own account.
Pay as you go. Cancel any time in the App Store or Google Play.
About 83¢ a month, billed once a year.
Prices are in US dollars; the App Store and Google Play show the price for your country before you buy. Subscriptions renew until you cancel them in the store where you subscribed.
◈ Stax Budget
Coming soon to iPhone, Mac and Android. Tell us you’re interested and we’ll let you know the day it’s ready.
Get early access →When you create an account, you agree to the Terms of Service and acknowledge the Privacy Policy.
