Plan every dollar's job.
Pencil in what you've decided to spend and save. Your bank fills in everything else. One number tells you how many dollars still need a job.
iOS · in private beta$1,240
still need a job over the next 90 days
$0
every dollar has one. That's the goal.
The inversion
Every other finance app starts from your transactions and builds a picture. Pencil In starts from your commitments and lets the transactions flow in around them. The ledger is the source of truth. The bank is the feed.
What it leaves out, on purpose
No categories. No budgets. No reports. No net worth. No AI. No notifications. You decide what your money does; the app keeps the tally honest.
How it connects
Bank accounts link through Plaid. Sign-in is Sign in with Apple. Your ledger lives on your device and in your own iCloud; our server is only a custodian for the bank connection. Details in the privacy policy and the security overview.