Early access opening soon

Budget by paycheck, not by month.

Proviso matches every bill to the paycheck that pays it. Before payday you'll know what each check has to cover and what's left over.

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Proviso — Paycheck Ledger
Paycheck · Fri Nov 14$2,140.00
Mortgage due 11/15−$1,050.00
Power & water due 11/18−$212.40
Car payment due 11/20−$389.00
Groceries & gas−$300.00
Left from this check$188.60
Paycheck · Fri Nov 28$2,140.00
Credit card due 12/01−$450.00
Insurance due 12/03−$286.00
Phone & internet due 12/05−$165.00
Mortgage (Dec) — set aside−$1,050.00
Left from this check$189.00

Monthly budgets don't line up with when you get paid.

If you're paid every two weeks, a monthly budget can say you're fine while the bank account says you're not. The trouble is timing: which bills land before which paycheck.

A monthly budget

  • Treats the month as one pile of money
  • Leaves you guessing which check covers rent
  • Hides the tight weeks until you're in them
  • Treats "third paycheck" months as a mystery

Proviso

  • Gives each paycheck its own short list of bills
  • Puts bills in order by due date, so nothing gets missed
  • Shows the tight weeks ahead of time
  • Plans extra-paycheck months on purpose

Built around the way you're actually paid.

Proviso is a cash-flow ledger, not a spending tracker. You get a plan for every check.

Paycheck-anchored ledger

Each pay date becomes a column of its own, showing the bills it pays and what's left.

Due-date sequencing

Bills are assigned to the check that arrives before they're due, so you can see if a payment is going to be late.

Biweekly payment plans

Split big monthly bills across two checks and carry a positive balance from one period into the next.

Set up in an evening.

Add your pay schedule

Enter your pay frequency, next payday, and typical take-home amount.

List your bills

Enter the name, amount, and due date for each. Proviso handles the sequencing.

Follow the plan

Before each payday, check that period's list. Pay it, mark it done, and move on.

Questions

When does Proviso launch?

We're opening early access in waves. Join the waitlist and you'll be among the first invited.

Will it cost anything?

Waitlist members get early access and launch pricing. We'll share full pricing before anyone is asked to pay.

Do I have to connect my bank account?

No. Proviso works from the pay schedule and bills you enter yourself. Your bank login is never required.

Is this financial advice?

No. Proviso is a planning and organization tool. It doesn't give investment, tax, legal, or credit advice.

Know what every paycheck has to cover.

Join the waitlist for early access.

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