Put your budget on autopilot.
Autobudget calculates exactly how much to direct deposit to a dedicated Bills account every paycheck — so every bill is covered automatically, forever.
The Method
One simple idea: keep your bills money completely separate from your spending money.
Bills Account
A dedicated checking account that only pays bills. Each paycheck, a precise split lands here — just enough to cover every recurring expense, spread evenly over your pay periods. Never touch this money for anything else.
Spending Account
The rest of your paycheck lands here. Groceries, gas, dining, fun — spend it freely. When it's gone, it's gone. No mental math. No guilt. Bills are already handled.
How it works
Set it up once. Let it run forever.
- 1
Add your bills
Enter each recurring bill — rent, utilities, subscriptions, insurance — with its amount and frequency. Quarterly? Annual? Autobudget handles it.
- 2
Get your DD number
Autobudget calculates exactly how much to direct deposit to your Bills account each paycheck. That one number is all you need.
- 3
Set your direct deposit split
Log into your employer's payroll portal once and split your direct deposit: DD amount → Bills account, everything else → Spending account.
- 4
Done. Every bill is covered.
Bills auto-pay from the Bills account. Your spending account resets every paycheck. No more spreadsheets, no more "did I save enough for the electric bill?"
Why it works
The two-account method removes the hardest part of budgeting: willpower.
Automatic by design
Money moves before you see it. Bills are funded the moment your paycheck hits — no decisions required.
No overdraft surprises
The escrow calculator projects your Bills account months forward and warns you before any gap becomes a problem.
Savings without effort
Build a bills buffer for peace of mind. Autobudget factors it into your DD split so saving is also automatic.
Ready to autopilot your budget?
Set up takes about 5 minutes. No credit card required.
- Free to use
- No bank connection required
- Works with any pay schedule
- Built for real households