Ralphy works out one honest number each morning: today's spend limit, with every bill, card payment and paycheck still to come already accounted for. Connect your accounts read-only through Plaid and it learns your paycheck rhythm, your bills, and what your cards will actually cost you. Every figure opens to show its math and the transactions behind it, so you never have to take the number on faith. It is deliberately small: one glance a day instead of a dashboard, and it never moves your money. Built for people who have tried budgeting apps and bounced off them. iPhone, US banks, free while it is in beta.
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