Traditional budgeting apps make you do all the work. TBY uses smart technology to make budgeting effortless and effective.
Instead of asking "How much do you want to spend on coffee?", we ask "How often do you want coffee out?" Then we calculate the realistic cost and build your budget around your actual lifestyle goals.
Tell us what you want to do, we'll figure out what it costs
Based on real data from your area and spending patterns
Every dollar has a purpose tied to something you actually want
How often do you want to eat out?
2-3 times per week
Coffee shop visits?
Daily morning coffee
Your dining budget: $550/month
Based on your lifestyle goals
Automatically categorized with 95% accuracy
Stop manually categorizing every transaction. Our AI learns your spending patterns and automatically sorts everything correctly, so you can focus on your goals instead of data entry.
Gets better over time as it learns your habits
Understands merchant names, locations, and amounts
95% accuracy means you rarely need to correct anything
Never get surprised by an empty budget again. Tby actively monitors your spending and gives you personalized nudges in a tone that works for you—friendly coaching or firm accountability.
Choose friendly, coaching, or firm communication style
Get warned before you overspend, not after
Notifications when you need them, not when you don't
Friendly Reminder
Hey! You're at 75% of your dining budget with 10 days left. Maybe cook at home tonight? 🍳
Coaching Style
You're doing great! Consider meal prep this weekend to stay on track with your dining goals.
Firm Accountability
Stop. You've exceeded your dining budget. Stick to groceries for the rest of the month.
Get exclusive early access and special launch pricing.