Budget Your Way.
Paycheck by Paycheck.
Stop fitting your life into a monthly budget that doesn't match your paycheck schedule. Alto lets you budget for the money you actually have, when you actually have it.
Budget by pay period, not by month
Traditional budgeting apps force you into monthly cycles. Alto lets you budget paycheck-to-paycheck, so you always know exactly what you can spend until your next payday.
- Supports weekly, biweekly, 1st & 15th, & monthly pay schedules
- Navigate between past and future pay periods easily
- See exactly what's due before your next paycheck
Current Pay Period
Jan 6 - Jan 17
Track every income source
Whether it's your main salary, freelance gigs, or side hustles - track expected vs actual income for each pay period. Know exactly when money arrives and plan accordingly.
- Color-coded status: green when received, orange when partial
- Multiple income streams with different frequencies
- Override expected amounts for irregular income periods
Income This Period
Jan 6 - Jan 17Expected
$2,450.00
Received
$2,450.00
Expected
$800.00
Received
$650.00
Expected
$200.00
Received
$0.00
Expected
$3,450.00
Received
$3,100.00
See exactly where your money goes
Track every dollar with clear status indicators. Know at a glance what's paid, what's funded, and what still needs your attention.
- Due dates and frequencies tracked per category
- Click to assign funds directly from available balance
Expenses
Due
$1,200
Spent
$1,200
Assigned
$1,200
Available
$0
Due
$150
Spent
$0
Assigned
$150
Available
$150
Due
$400
Spent
$156
Assigned
$280
Available
$124
Due
$180
Spent
$0
Assigned
$50
Available
$50
Due
$200
Spent
$245
Assigned
$200
Available
-$45
Due
$120
Spent
$95
Assigned
$60
Available
-$35
Build savings into every paycheck
Set savings goals and automatically allocate funds each pay period. Watch your progress grow steadily toward your financial dreams.
- Visual progress bars show how close you are to each goal
- Automatic calculation of how much to save per period
- Withdraw from savings or convert to expense when ready
Savings
Assigned
$340.00
Withdrawn
$0.00
Balance
$3,200.00
$3,200.00
Assigned
$340.00
Withdrawn
$0.00
Assigned
$150.00
Withdrawn
$200.00
Balance
$850.00
$850.00
Assigned
$150.00
Withdrawn
$200.00
Assigned
$400.00
Withdrawn
$0.00
Balance
$5,400.00
$5,400.00
Assigned
$400.00
Withdrawn
$0.00
Savings goals become spending categories
When you've saved enough for that big purchase, seamlessly convert your savings goal into a one-time expense category. Your money moves with you, ready to spend when you are.
- One-click conversion when your goal is reached
- Your saved amount becomes your spending budget
- Track the purchase transaction in the new category
Savings Goals
2 goalsAssigned
$340
Withdrawn
$0
Balance
$3,200
Assigned
$1,500
Withdrawn
$0
Balance
$1,500
Budget Categories
2 categoriesDue
$400
Assigned
$280
Available
$124
Due
$1,500
Assigned
$1,500
Available
$1,500
Categorize transactions effortlessly
Imported transactions are highlighted when they need attention. Quickly assign categories with a single click to keep your budget accurate.
- Uncategorized transactions are highlighted for quick action
- Color-coded category chips for visual organization
- Income transactions clearly distinguished from expenses
Recent Transactions
5 transactionsConnect your banks securely
Link your bank accounts via Plaid for automatic transaction imports. Map external accounts to your Alto accounts for seamless tracking.
- Bank-level security with Plaid's trusted connection
- Credit cards shown as real debt, not available money
- Automatic daily sync keeps your data fresh
Connected Banks
Last synced: 2 hours ago
Last synced: 3 hours ago
Crush credit card debt strategically
See the real cost of credit card interest and plan your payoff. Our amortization calculator shows exactly how extra payments accelerate your debt-free date.
- Track credit cards as real debt, not available funds
- Compare minimum vs. accelerated payoff scenarios
- Month-by-month breakdown of principal vs. interest
Travel Rewards Card
22.99% APRCurrent Balance
$4,250.00
$4,250.00 of $8,000.00 limit
Payoff Timeline
Minimum Payment
$85.00/mo
167 months
14 years
With Extra Payment
$200.00/mo
28 months
Save 139 months!
Amortization Schedule
See exactly where your payments go
How Alto Works
A simple four-step process that transforms how you manage money.
Set Your Pay Schedule
Tell Alto when you get paid - weekly, bi-weekly, 1st & 15th, or monthly. We'll automatically create pay periods that match your actual income flow.
Assign Your Income
When your paycheck arrives, assign dollars to your budget categories. Bills, groceries, gas, savings - every dollar gets a purpose.
Spend With Confidence
Check your category balances before you spend. Alto shows exactly what's available right now, not some abstract monthly number.
Repeat Each Paycheck
Each pay period is a fresh start. Review what worked, adjust what didn't, and assign your new income. Progress compounds over time.
Built For People Like You
If traditional monthly budgeting hasn't worked, you're not alone. Alto is designed for how real people manage money.
The Bi-Weekly Budgeter
The Problem
"Monthly budgets never work because I get paid every two weeks. Some months have 3 paychecks, others have 2."
The Solution
Alto's pay period budgeting matches your actual paycheck schedule, so you always know what money is for what.
The Debt Conscious
The Problem
"Other apps show my credit card as 'available' money, which led me to overspend and grow my debt."
The Solution
Alto treats credit cards as debt from day one. You budget to pay them off, seeing your true financial position.
The Visual Planner
The Problem
"I need to see what bills are coming up and know I have money set aside for them."
The Solution
Alto's calendar view shows upcoming bills and due dates. Assign money to categories and watch them turn green when funded.
Simple, Transparent Pricing
Start free and upgrade when you're ready for more.
Free
Get started with the basics
- Unlimited accounts
- Up to 1,000 transactions
- Pay period budgeting
- Calendar view & bill tracking
- Unlimited categories
- Bank sync via Plaid
- Unlimited transactions
Pro
Everything, unlimited
- Unlimited accounts
- Bank sync via Plaid
- Pay period budgeting
- Calendar view & bill tracking
- Credit card debt management
- Priority support
No credit card required to start
Frequently Asked Questions
Got questions? We've got answers.
Most budgeting apps force you into monthly budgets, but that doesn't match how most people get paid. Alto lets you budget paycheck by paycheck, so you're working with money you actually have, not money you might get later. Plus, we handle credit cards correctly - as debt, not available spending money.