Every other budgeting app tells you where your money went. Proviso shows you where it's going — and the exact day you'd run short, while there's still time to fix it.
They categorize what already left your account last month. Useful for a report — useless at 2pm when you're deciding whether you can cover a $400 repair before payday.
It projects every bill and paycheck ahead, finds the lowest point you'll hit, and tells you what's safe to spend today — before the money moves, not after.
Built around the pay cycle, honest about your real balance, and private by default.
Your lowest projected balance over the next 30 days, and the amount you can spend now without crossing zero before payday.
If a shortfall is coming, you see the exact date in advance — with time to move or skip a bill, not an overdraft fee after the fact.
Real 14-day pay periods instead of forced monthly budgets — so the three-paycheck month stops breaking your plan.
Tap to skip a payment for a single pay period and watch the forecast recalculate instantly — model "what if" without deleting anything.
Ask "can I afford this?" and get a straight answer from your forecast. Bring your own AI key — or run a model on your own machine. Nothing is sold.
Enter what's actually in your account — or let it read your checking balance — and every projection stays pinned to reality.
How a forecast-first, privacy-first app compares with the track-and-categorize crowd.
| Capability | Proviso | Typical budgeting app |
|---|---|---|
| Projects your future balance | Core of the app | Rarely — shows past spending |
| Safe-to-spend before payday | Yes | Vague "left to spend", ignores upcoming bills |
| Real 14-day pay periods | Yes | Monthly only |
| Skip a bill for one cycle | One tap | Manual re-budgeting |
| Works without a bank login | Yes | Usually required |
| Private, user-controlled bank sync | You hold the connection (read-only) | Bank access held on their servers |
| Your data stays yours — no data brokers | Yes | Spending data often monetized |
| AI with your own key, nothing sold | Yes | Cloud-only, data leaves your control |
| No ads, no credit-product upsells | Yes | Common revenue source |
| What it costs | $34.99 once · all devices | $75–$109 every year |
Comparison reflects common patterns across popular track-and-categorize budgeting apps; specific features and prices vary by product and plan.
No subscription, no ads. One price unlocks the Android app and the PC app — and it's yours for good.
One-time — founder price. It rises as the app grows, so this is the lowest it'll ever be.
Use it free for 90 days and build your real plan. Everything you enter is kept — unlock anytime to lift the limits and keep going. No card to start.
Next to $75–$109 every year for the subscription apps, one $34.99 payment costs less than a single year of any of them — then it's free for life, on your phone and your PC.
Most budgeting apps have to pull your transactions onto their servers and hold your bank login — that's the business model. Proviso was built the other way around: your numbers stay with you, and the one connection it offers is read-only and yours to revoke.
Plan on the go, and do the heavy lifting on the PC app — including automatic bank sync.
The full forecast, calendar, runway and private AI — in your pocket, synced with your plan.
On Google PlayOptional, read-only bank sync through SimpleFIN — a connection you own and can revoke, not one we hold on a server. Reconcile your register, import statements, and it all flows to your phone.
Desktop downloadSimpleFIN bank sync is optional and read-only; it uses your own SimpleFIN Bridge subscription ($1.50/mo or $15/yr).
See whether your next paycheck makes it to the one after — and spend the difference with confidence.