Everything Ritual Runway does.
Everything the app does, from the daily number it all revolves around to every optional module. Each one runs on the same paycheck math, so nothing forces a second mental model. Try the live demo or read how paycheck budgeting works.
The core
Safe to spend
The number the whole app exists for: what's safe to spend today. This paycheck's income minus the bills it owes, divided by the days until your next deposit. One figure to check at the register, not a category spreadsheet to reconcile.
The payday ritual
The namesake. A short checklist each time you get paid: log what landed, confirm the bills this check covers, check your runway, mark the period done. A few taps, the same steps every time, so the number stays honest without an hour of reconciling.
The math runs itself
Enter a bill once and pick its frequency. Ritual Runway works out what it costs each paycheck, so you don't divide weekly rent by 4.33 in your head.
For income that isn't steady
Variable income
Income that swings month to month? Enter a low, average, and high. Your runway anchors to the low number, so a slow month never blindsides you, and a good month becomes a surplus you assign on purpose instead of spend by accident.
Tax reserve
Self-employed or 1099? Hold back a percentage of every deposit for taxes before you see it as spendable. The app tracks what you have set aside and the next quarterly due date, so April is not a surprise.
Split income
Two people share finances? Assign each deposit to the right person and split bills the way you actually divide them, not 50/50 by default.
The whole money picture
Net worth
Tracks accounts, savings goals, investments, and debt in one place. The single number you can answer with at the end of the year.
Investments
Track 401(k), Roth, brokerage, and other balances by hand, with optional monthly contributions. No live prices, no account linking, just the numbers you choose to enter. They roll into your net worth.
Savings goals
Set a target and a date. The app works out how much to move each pay period to land on time without rushing the last month.
Debt payoff
Add balances, pick avalanche or snowball, see your real payoff date. Every extra dollar shortens the runway.
Envelopes
Spending limits on groceries, gas, dining. Tracks what is left each period so you know whether a Thursday takeout night still fits.
Import transactions
Drop in a CSV from your bank. Each category maps onto an envelope. Parsed on your device, never uploaded.
Plan ahead
Next Chapter
Model a what-if next to your real numbers: a layoff, a 30% pay cut, a new baby. See which bills stop fitting and how many months of cushion you have before anything changes. Stress-test the plan before you need it.
Learn
Plain answers to common money questions, built into the app. No jargon, no upsell, no scrolling past a 2,000-word SEO essay to get the answer.
New to paycheck budgeting? Read how it works, meet the founder, or browse the blog. Privacy details live on the trust page.
Ready to see it on your own numbers?