Pace

Most budgeting apps fail the same way: categories to assign, transactions to reconcile, a Sunday ritual to maintain. People quit by day three and decide they're bad with money. They aren't. The tools ask too much. Pace replaces the budget with one number. It counts your bills first so rent, insurance, and the car payment always have room, sets savings aside up front, then shows what's actually safe to spend this week. Glance at it before you pay. That's the whole system. Bob, the AI money coach in the app, answers the question that actually matters: "can I afford this?" He responds from your real numbers, not generic advice. Tell him "spent 60 on gas" and it's logged. When your number changes, he explains why, and he finds the quiet leaks like subscriptions you forgot. ▎ ▎ The week is the unit on purpose: one rough weekend is one rough week, not a failed month. Streaks and no-spend days keep the habit alive, and weeks you finish under the number are real money you can put at your debt or savings. Bank connections via Plaid are read-only, or track everything manually. iOS, first month free.