Spend confidently.
Connect your bank, set your goals, and get one single number: what's safe to spend. Mental clarity powered by precise envelope math, on a cadence that fits your life.
A budget that adapts with you
Safe-to-spend at a glance
Residual calculates a safe spending allocation from real expenses, on a cadence you choose — weekly, biweekly, or monthly.
Envelope-style buckets
Money fills each bucket automatically before you spend it. Rest easy knowing every bill and goal is already covered.
AI-assisted setup
Connect your bank and answer a few questions. Residual builds your first budget — you review it before anything goes live.
Real-time bank sync
Your transactions sync automatically through Plaid. No manual entry.
How it works
Never get blindsided by big bills
Big bills are spread monthly so the money is there before they arrive.
Your budget, your way
AI drafts your first budget from your bank history. You adjust it before anything goes live.
Spending money on your schedule
Set your own cadence so spending money always lasts the full period.
Account for overspending
If you overspend in one area, Residual shows you exactly where to pull the difference.
Credit cards, handled
Credit card spending pulls from your buckets automatically. Your bill is always covered.
Hands-off categorization
AI matches your transactions to buckets without you doing anything.
Common questions
What people are saying
“Do you have it built yet?”
My Friend Rob
Early Believer
“I'd use it.”
Caleb, Gym Bro
Potential User
“What was it you're making, and is that your own thing?”
Mom
Curious Supporter
Early access
Be first in the door
Residual is finishing up. Join the waitlist and we'll let you know the moment it's ready.