Know what’s coming.
Payday, rent, the subscriptions you always forget. Put your bills and income on one calendar so the next due date feels a little less surprising.
Bring the month into focusA little clarity. A lot more possibility.
Your money.
Your next chapter.
Less “where did it all go?” More knowing what comes next. Bring your bills, income and goals into one clear picture—and make a little more room for life.
New accounts are opening soon. Already here? Sign in
BalanceOSSAMPLE WORKSPACE
YOUR PERSONAL WORKSPACEYour month, at a glance.November
Available today$4,850.00 Across your accounts
Coming in$3,200Still to pay$1,950
LOOKING AHEADRoom to breathe.$6,100Projected month end
TodayMid-monthMonth end
Next on your calendar
RentHome · Nov 3$1,400Due soon
InternetUtilities · Nov 1$65Paid
No bank connection neededYou choose what to shareExport your personal data anytime
Less mental math. More peace of mind.
For the everyday.
And everything you’re working toward.
One place to untangle the details, see the bigger picture, and take your next step with more confidence.
See beyond your balance.
Your account balance is only part of the story. See what’s left after upcoming bills and income, and spot a potential shortfall before it arrives.
Look a little further aheadFind your way forward.
Turn a list of debts into a plan. Compare payoff strategies and see how a little extra each month could change your debt-free date.
Explore PlusTHE HOUSEHOLD WORKSPACEA shared goal. Your own space.
The next big adventureSavings goal
$3,400 saved together$5,000 goal
Household billsShared
Your personal accountsPrivate unless shared
Illustrative Family preview · fictional amounts
Better conversations start with clarity.
On the same page.
On your own terms.
Build a financial life together without putting everything in the same pot. Family gives your household a shared place to plan, while keeping your personal workspace your own.
- Shared bills, budgets and savings goals
- Choose what to share, including whether amounts are visible
- Clear roles for up to six household members
A clearer start
Your money, organized.
One small step at a time.
Start with what you have.
Add your accounts and current balances. No bank passwords, no connections to set up.
Give the month some shape.
Add your income, bills and debts. Set recurring schedules so the regular things have a place.
See what comes next.
Check your cash flow, confirm payments and adjust as life happens. Your next move gets a little clearer.
Personal means personal.
Your finances.
Your boundaries.
Money is personal. Your workspace should respect that. Keep your own records private, choose what your household sees, and take your personal data with you whenever you need it.
How we protect your workspaceA private workspace
Your personal records belong to your account. Joining a household does not automatically share them.
Sharing is your choice
Share selected accounts, bills or debts. Keep amounts visible or share a summary.
A plan can change. Your records stay.
Changing or cancelling a plan does not delete your financial records. Personal exports stay available.
Good questions.
A few things
you might be wondering.
Simple answers before you take the next step.
Do I need to connect my bank?
No. You enter your balances, bills, income and transactions yourself. BalanceOS does not connect to your bank, move money or make payments for you. You stay in control of what goes into your workspace.
Can I use BalanceOS with my partner?
Yes. Family brings shared bills, budgets and savings goals into a household workspace for up to six people. Your personal finances stay separate, and you choose which personal accounts, bills or debts to share. Family subscriptions are coming at launch.
What’s included in the Free plan?
Free includes accounts, bills, income, transactions, debt tracking, cash flow and data backups. Plus adds reports, payoff planning and the encrypted creditor vault. Family adds household collaboration. Visit Plans for the full comparison.
Can I take my data with me?
Yes. You can download a personal JSON backup or export CSV files from Settings. Your personal backup excludes household records and saved creditor credentials. Keep downloaded files private: they contain your financial information.
Can I get started today?
New accounts are opening soon. You can explore the plans and product preview now. If you already have a BalanceOS account or a household invitation, you can still sign in or accept your invitation.
A clearer picture.
A little more breathing room.
From the next bill to the next big goal, make space for the life you’re building.
Explore the plansNew accounts opening soon.