Know your four numbers. Automate the rest. Spend the rest guilt-free.
No bank connection needed. Import a file from your bank, or add a few things by hand.
- Fixed costs$2,99056%
- Investments$56011%
- Savings goals$4428%
- Guilt-free$1,30825%
You can spend $1,308 a month guilt-free. That's about $302 a week.
Take-home pay plus pre-tax retirement, split four ways. Guilt-free is what's left once the other three are covered.
Four steps. The first takes about ten minutes.
Step 1: Start with what it's for
A few lines about the life you want, and the things you love spending on. The numbers come second.Step 2: Get your four numbers
Fixed costs, investments and savings goals, from rough estimates. Guilt-free is what's left: no line-by-line budget for fun.Step 3: Automate the flow
Falcon lays out payday, transfers and bills. You set them up at your bank once, and Falcon checks each month that every step happened. It never moves money itself.Step 4: Check in once a month
About 20 minutes: celebrate the wins, see how the month compared with the plan, adjust next month. Then back to your life.
Plenty of money apps run on guilt. Falcon doesn't.
No latte shaming
Small purchases never get flagged or added up into a lecture. Buy the coffee.
No streaks or daily nags
No badges, no no-spend challenges, no daily "safe to spend" pings. One check-in a month is the whole routine.
No red "over budget" alarms
Red is for things that are broken, like a bank sync. If fun money runs over, you get one calm note with options.
No inbox zero
Nothing has to be sorted before your numbers show up. Anything unclear waits in a quiet list, for whenever you like.
No ads or credit offers
No card offers, no loan pitches, no stock tips. Your data is never sold.
No comparisons
Your plan answers to your life, never to what "people like you" spend.
Your money data stays yours.
Connecting a bank is optional
Import a CSV or OFX file from your bank, or add things by hand. Where a site offers bank connections, they go through Plaid, read-only.
Never sold, never used for ads
Your data is for your plan. Falcon doesn't sell it, rent it, or show you offers based on it.
Encrypted and kept apart
Encrypted in transit and at rest, with bank access keys sealed separately. Each household's data is walled off from everyone else's.
Leave whenever you like
Download everything as JSON or CSV at any time. Delete your account and your data is deleted right away.
Build your plan in about ten minutes.
Educational information, not individualized financial, tax, or investment advice.