Plan from deposits, not balances
A bank balance shows money in one pile. Envelope planning turns each paycheck into a practical map for bills, savings, debt, essentials, and flexible spending.
Clear cash flow. Calm spending.
Know what’s safe to spend before you spend it.
Fundlyr turns a misleading bank balance into a paycheck plan: bills protected, goals funded, transactions reviewed, and one clear number for everyday spending.
No spreadsheet requiredDirect bank-connected setupCancel anytime
FundlyrToday
Safe to spend$745after bills, goals, and planned envelopes
Bank balance$3,420
Protected$2,675
Rent$1,800
Groceries$312
Review3 txns
Paycheck assignedRent, utilities, and savings are protected.
Review neededWhole Foods → Groceries?
The difference
Your bank balance tells you what exists. Fundlyr tells you what’s available.
Most money stress starts when rent, subscriptions, groceries, savings, and fun money sit inside the same number. Fundlyr separates cash by job, then keeps your safe-to-spend number current as paychecks and transactions come in.
The method
Give every dollar a job before it gets mixed together.
Fundlyr is built around a simple cash-flow habit: divide income into intentional envelopes the moment it arrives, protect money for obligations first, and only spend from what is truly left.
Protect the important money first
Set aside rent, subscriptions, taxes, goals, and reserves before everyday spending. It is the same disciplined idea behind pay-yourself-first systems, made easier to maintain.
Let safe-to-spend do the math
Once the envelopes are funded, Fundlyr keeps the leftover number visible so daily decisions do not accidentally borrow from next month’s bills or future plans.
Product
A modern envelope system that stays useful after payday.
Set up buckets once, assign income with rules, and review uncertain transactions before they distort your plan. Fundlyr is designed for people who want the confidence of cash envelopes without spreadsheet bookkeeping.
Paychecks get a plan
Route income into rent, bills, debt, savings, groceries, and flexible spending with simple rules you control.
Safe-to-spend stays honest
Your spendable number subtracts protected money so the balance in your bank account stops over-promising.
Transactions are matched carefully
Fundlyr suggests envelopes by merchant and category, then queues anything uncertain for quick review.
You can run it your way
Connect a bank directly, adjust matches anytime, and keep automation from making silent decisions.
How it works
1
Start with cash
Connect a bank directly in a few minutes.
2
Protect what matters
Create buckets for rent, groceries, savings, debt, subscriptions, and fun money.
3
Review transactions
Fundlyr auto-matches what it can and queues the rest for approval.
4
Spend calmly
Use the safe-to-spend number instead of guessing from your bank balance.
Why it works
Spend from a plan, not a panic check.
Payday planTell each paycheck where to go before it disappears.
Bills protectedKeep rent, utilities, debt, and subscriptions separated from flexible spending.
Review queueFix categories before they distort your safe-to-spend number.
Less money stressMake everyday purchases with more confidence and fewer surprises.
For paycheck planners
Clarity feels better than budgeting.
★★★★★“I finally stopped treating my bank balance like permission to spend. The number I look at now is the one I can actually use.”— Maya R.
★★★★★“The safe-to-spend view is what I always wanted from budgeting apps: simple enough to check before buying lunch.”— Chris L.
★★★★★“It feels like cash envelopes, but clean and automatic. I still approve the important stuff, which matters.”— Dana S.
Pricing
Costs less than one overdraft fee.
Start with a 14-day trial. Upgrade to automatic bank sync, paycheck allocation, bill protection, transaction review, and safe-to-spend tracking.
Fundlyr Plus$7/ monthStart free trialCancel anytime.
Questions
Before you trust a number with your money, ask the practical stuff.
Fundlyr is built to make everyday spending calmer without hiding the details you need to feel in control.
How does Fundlyr decide what is safe to spend?
It starts with your available cash, then subtracts money you have already protected for bills, goals, debt, subscriptions, and planned envelopes. The result is the everyday amount you can spend without accidentally using rent or savings money.
Do I have to connect a bank account?
Yes. Fundlyr requires a direct bank connection so balances, deposits, and transactions can stay tied to live account data.
What happens when a transaction needs review?
Fundlyr suggests an envelope when it can, but uncertain purchases go into a review queue. You approve, change, or correct the match before it affects your plan, so automation does not quietly misclassify important spending.
How much does it cost after the trial?
Fundlyr Plus is $7 per month after the 14-day trial. The plan includes safe-to-spend tracking, paycheck allocation, bill protection, bank sync, and transaction review.
Is my financial information private and secure?
Fundlyr is designed around showing only what is needed to run your spending plan. Bank-connected setup uses secure provider flows, and your plan data is used to power Fundlyr—not to sell your financial life.
Can I cancel if it is not helping?
Yes. You can cancel anytime before or after the trial. If Fundlyr is not making your next paycheck easier to manage, you should not be locked into it.
Make your next paycheck easier.
Set up Fundlyr in minutes. Know what’s assigned. Know what’s safe.
Start free