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Free to use Encrypted on your device

Twin Leaf

Know what's safe to spend until payday.

Twin Leaf is a money app for living paycheck to paycheck. It sets your bills aside, predicts your next paycheck, and tells you — in one number — what you can spend today. Then it gives you a debt-free date and one clear thing to do this week.

Try Twin Leaf See how it works
Encrypted on your device No ads, no selling data Sign in with Apple or Google
Twin Leaf's Home screen for a demo household: left to spend today, a spending line to payday, this week and until-payday totals, and the coach.
Status
Live
Platform
Web (installable on your phone)
Made for
People who live paycheck to paycheck
Access
Free
Try Twin Leaf ↗
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Built for the space between paychecks

One honest number, and a plan behind it

Safe to spend until payday

Your balance minus the bills due before your next paycheck, spread over the days left. One number for today — and it tells you plainly when you're over.

Bills found and tracked for you

Twin Leaf spots rent, loans, insurance and subscriptions in your history, then watches them — when they're due, and when one quietly goes up. You just keep or dismiss.

Paycheck prediction

It learns your pay rhythm — who pays you, how often, and the usual range — and plans every day around the next deposit, not the end of the month.

A debt-free date and a weekly mission

Your cards and loans become a payoff plan you can live on, with a real finish date. Each week you get one clear mission — not a lecture.

A coach that says what to do next

Heads-ups in plain words: what your cards cost you in interest and fees, a bill that rose, a tight week ahead — and the move that helps most.

Budgets, goals and net worth

Suggested budgets from your own averages, goals that follow the accounts you pick, cash flow, a calendar of what's coming, and your net worth over time.

A guided start

From a statement to a plan in minutes

Import a statement — a Rocket Money export, an Apple Card statement or any bank's CSV. Files are read right in your browser; they're never uploaded. Twin Leaf finds the rest, and you confirm it.

  1. Import a statement: choose a CSV file from Rocket Money, Apple Card or your bank.

    STEP 1

    Import a statement

    Your whole history in one go — every account in the file.

  2. Your pay rhythm: who pays you, every two weeks, and the usual range, with the next three paydays.

    STEP 2

    Check your paydays

    It finds your paycheck and predicts the next ones. Not right? Change it.

  3. Bills it found: rent, auto finance, insurance, power and phone, each with Keep or Not a bill.

    STEP 3

    Keep the bills it found

    One tap each: Keep, or Not a bill. They're set aside from then on.

  4. Your first mission: spend up to a set amount a day until the next payday.

    STEP 4

    Get your first mission

    One clear thing to do this week, worked out from your own numbers.

Inside Twin Leaf

Everything, a tap away

Your plan: monthly pay, budget, minimums and extra to debt, then what to do, in order.
Your planCards paid off as fast as is livable — and what to do, in order.
Recurring: bills, loans and subscriptions per month, with what is paid and what is due this month.
RecurringEvery bill and subscription, what's paid, and what went up.
Calendar: the month with paydays, bills and card payments marked on each day.
CalendarPaydays and bills on the days they land, week by week.

Screens show an invented demo household. Twin Leaf shows budgeting estimates, not financial advice.

Your money data is encrypted before it leaves your device.

Everything you add is encrypted on your device before it's saved, and opens only with your passcode or your recovery code. Google stores it for us in encrypted form, and we don't see its contents in the ordinary course. Choose a long passcode: the security page explains plainly what encryption protects against, and its limits.

  • AES-256 encryption on your device
  • Sign in with Apple or Google — no new password
  • No ads, no analytics, no trackers
  • We don't sell your data or use it for ads
  • Statement files are read in your browser, not uploaded
  • Export or delete everything, anytime
How Twin Leaf protects your data

Transparent by default

Twin Leaf has its own legal documents, written in plain language — what the app does, what we can and can't see, and your rights.

Terms of Service Your agreement with us → Privacy Policy What we can and can't see → Security & Data Protection How the encryption works → Legal Center All eight documents →

Start with what's safe to spend

Free to use, in your browser. Sign in with Apple or Google, set a passcode, and import your first statement.

Try Twin Leaf