Try it
Start with a sample household, then change a bill, move payday, or try a purchase. The spend limit and its receipt update together. Nothing to install, no bank, no account.
Sample household · Before payday
This morning
/day
Plenty of room.
The $400 buffer stays where it is.
See what changes the number
The receipt
Checking, this morning$1,790
Your buffer−$400
Spendable cash$1,390
Rent tomorrow−$950
T-Mobile in 3 days−$143
Visa minimum in 5 days−$57
This purchase−$0
Left for the days ahead$240
The 6 days to payday÷ 6
Today's spend limit$40
The buffer stays untouched. No bank is connected to this demo.
What this is
This page uses one fixed household to show the idea: checking, less the buffer and bills, divided across the days to payday. The app reads your accounts through Plaid and looks further ahead before it gives you a number.
Ralphy is read-only. The spend limit is advice, and it can never move money or stand between you and your card. See what Ralphy does with your data.
Want the real one?
Bring an iPhone and a US bank. The TestFlight beta uses read-only account access.
Join the beta →
Ralphy