AI-powered personal finance that aligns bills with YOUR paycheck schedule. Save $500+/year automatically.
Credit Card Payment
Due Nov 8
Electric Bill
Due Nov 10
Internet
Paid
Late payments cost Americans $12 billion per year. Not because they can't afford bills—but because they forget.
Average late fee: $30-40 per bill. Miss 2 bills/month? That's $720-960 per year wasted.
One missed payment drops your credit score 50-100 points. Recovery takes 6-12 months.
Average person wastes $214/month on subscriptions they don't use or forgot about.
Financial clarity in three simple steps. No manual entry. No spreadsheets. No stress.
Securely connect your bank accounts and credit cards via Plaid. Bank-level encryption protects your data.
Tell us how often you get paid. We'll align your bills with YOUR paycheck dates—not calendar months.
Get smart reminders 3 days before bills are due. AI finds forgotten subscriptions. Save money automatically.
Powerful features that save you time, money, and stress.
Visual calendar showing exactly which bills are due before your next paycheck. Never wonder if you have enough.
Snap a photo of any receipt. AI extracts merchant, amount, and category with 97% accuracy. No manual entry.
AI automatically finds recurring charges you forgot about. Average user finds $214/month in wasted subscriptions.
Automatic rent allocation per paycheck. See your TRUE remaining budget after all obligations. No math required.
Get instant alerts for unusual spending patterns. Catch fraudulent charges before they become problems.
AES-256 encryption. Two-factor authentication. We never store your bank login. Your data is 100% private.
See how Unobtuse Ledger is helping thousands save money and reduce stress.
Start free. Upgrade when you're ready. Cancel anytime.
All plans include bank-level security, 2FA, and we never sell your data.
Absolutely. We use bank-level AES-256 encryption and never store your bank login credentials. All connections go through Plaid, the same service used by Venmo, Robinhood, and thousands of financial apps. We're SOC 2 compliant and will never sell your data.
Start with our Free plan forever—no credit card required. When you're ready for Premium features, get a 14-day free trial. Cancel anytime during the trial and you won't be charged. After the trial, it's $9.99/month or $99/year (save $20).
We support 12,000+ financial institutions through Plaid, including all major banks: Chase, Bank of America, Wells Fargo, Capital One, Citibank, US Bank, and thousands more. If your bank offers online banking, we likely support it.
Unlike Mint (which shut down), we don't show ads or sell your data. Unlike YNAB ($15/month), we're easier to use and focus on YOUR paycheck schedule—not calendar months. We combine the best of both: automatic syncing (like Mint) with smart budgeting (like YNAB), plus AI features they don't have.
Yes. Our users save money in three ways: (1) Avoiding late fees ($30-40 per missed bill), (2) Finding forgotten subscriptions (average $214/month wasted), and (3) Negotiating bills (average $200-600/year savings). That adds up to $500-1,000+ per year for most users.
Not yet, but it's coming in Q3 2025! For now, our web app is fully mobile-responsive and works great on your phone. You can add it to your home screen for an app-like experience. Native iOS and Android apps are in development.
Yes! Cancel with just 2 clicks from your account settings. No phone calls, no hassle. Your data is yours—export it anytime. If you cancel Premium, you'll drop to the Free plan and keep basic features forever.
Join 10,000+ users who save $500+/year with Unobtuse Ledger.