Know what's left of your paycheck before the month starts.
FiscalWise puts your take-home pay next to every bill you pay, shows how much stays free, and points to the bills you can lower. No bank login, no guesswork.
- No bank connection
- Free checkup, no signup
- Two minutes
Monthly budget checkup
Get a bill-by-bill plan for these savings
Estimates apply typical savings households find per category. Actual results depend on your providers, plans and location.
A clear view of where your money goes
Most budgets fail on the bills nobody looks at twice. FiscalWise keeps them in front of you and shows what each one costs you over a year.
All your bills on one page
List recurring costs by category and see your real monthly total next to what you take home.
The 20% check
See at a glance whether you keep at least a fifth of your pay free for savings and surprises.
Track every month
Log new prices after you switch plans and watch the amount you keep grow month over month.
Due-date reminders by text
Opt in to SMS reminders before bills are due, so late fees don't eat what you saved.
Plain-language guides
Short reads on lowering bills, paying down debt, and building an emergency fund.
Private by design
You enter amounts only. We never ask for account numbers or card details, and we don't sell your data.
Three steps to a budget that holds
Enter your pay and bills
Add your take-home pay and what you spend on housing, utilities, phone, insurance and the rest. It takes about two minutes.
See where you stand
FiscalWise shows how much of each paycheck stays free and which categories usually have room to come down.
Lower bills one by one
Follow the plan for each bill, record the new price, and move the difference into savings or debt payoff.
Built around a simple rule
Many planners use a 50/30/20 split: about half of take-home pay on needs, up to 30% on wants, and at least 20% kept for savings and debt payoff. FiscalWise uses that 20% line as your benchmark, so one glance tells you whether this month is on track.
Start my budgetA guideline, not a rule you must hit. Rent and living costs differ by city, and FiscalWise adjusts to your numbers.
Free to start. Upgrade when you want more.
The checkup and monthly overview are always free. Paid plans add personal guidance and planning tools.
Basic
For getting a first clear picture.
- Budget checkup
- Monthly bill overview
- Money guides
Plus
For people ready to cut bills.
- Everything in Basic
- Bill-by-bill savings plan
- Provider call scripts
- Due-date text reminders
Pro
For a full household budget.
- Everything in Plus
- Debt payoff planner
- Savings goal tracking
- Yearly budget review
Family
For households sharing costs.
- Everything in Pro
- Multiple members
- Shared bill tracking
- Faster email support
Questions
Do I need to connect my bank account?
No. You type in your amounts yourself. FiscalWise never asks for bank logins, account numbers or card details.
How are the savings estimates calculated?
Each category uses a typical share that households lower by switching plans, dropping unused services or asking providers for better rates. Your own results depend on your providers, contracts and location.
Is FiscalWise a financial advisor?
No. FiscalWise is an educational budgeting tool. It doesn't give investment, tax or legal advice, and it doesn't offer loans or credit.
What text messages will I receive?
If you opt in, you get account notifications and service updates such as bill due-date reminders. Message frequency varies. Reply STOP to opt out or HELP for help at any time.
Can I cancel or delete my account?
Yes. Email support@fiscalwise.co or use the contact form and we'll close your account and delete your data.
See your month clearly.
Free account. No bank login. Two minutes.