Pay yourself a salary that lasts.
Ballast turns your savings into a monthly salary, tells you what is safe to spend today, and draws how far the money carries you. Your bank statements are read on your own device, and nothing ever leaves it.
Alex’s savings last until September 2028, 22 salaries of 3,100.00 USD. Alex is made up. The road is drawn by the same engine you get.
A month you can read in one number.
On payday Ballast moves your salary from savings to spending. It keeps the bills still to come aside, divides what is left by the days left, and gives you the answer: what you can spend today and still finish the month calmly.
55.83USD
is Alex’s to spend today, and the month still ends calmly.
- Salary, from savings
- +3,100.00USD
- Spent so far 10 days
- −1,838.55USD
- Bills still to come kept aside
- −88.98USD
- Free to spend over 21 days
- 1,172.47USD
Budgets keep their own lines, with a brass tick where an even pace would be today. Fixed bills never count as overspending.
Every line, checked against the bank.
Drop in a PDF or CSV. Common layouts are recognised on their own, password-protected PDFs open right here, and any other bank works by matching columns. Then each line’s balance has to follow from the one before. When they all do, nothing was misread, and Ballast says so.
All 35 lines of the sample statement agree, to the last cent.
Import the same statement twice and nothing doubles. Every import undoes in one tap.
From a made-up statement shipped with Ballast. Card numbers and terminal codes are tidied away automatically.
It cannot phone home.
Every page carries one line that tells the browser Ballast may only talk to itself. There is no account to make, no server holding your money, no analytics and no exchange-rate service. Once you have opened it, it works with no connection at all.
connect-src 'self'
- Accounts to create
- 0
- Servers holding your data
- 0
- Trackers, ads and analytics
- 0
- Things that leave your device
- 0
Export everything as one file, restore it on another device, or delete it all with one button.
Made for living on savings.
Most money apps assume a paycheck and a bank login. Ballast starts from what you have and the date you need it to reach.
| Ballast | Typical apps | |
|---|---|---|
| Account | None | Required |
| Your data | On your device only | On their servers |
| Bank statements | Read here, checked line by line | A bank login handed to a third party |
| Living on savings | A salary, a runway and a date | Not modelled |
| Money maths | Exact to the smallest unit, even three decimals | Often floats, often two decimals |
| With no connection | Everything works | Read-only, or nothing |
| Price | Free and open source | A subscription |
Start in a minute.
Two balances, a salary and a date. Or bring in a statement and let the past months fill in.