Built by a spreadsheet-obsessed engineer and refined by a pen-and-paper partner. Ridgeline Budget is the system that finally bridges the gap — precise enough for the numbers person, clear enough for everyone else.
The Philosophy
Every dollar you spend is either something you need — electricity, rent, insurance — or something you want — the morning coffee, the weekend trip.
Budget for your needs. Save for your wants. When the month closes, any surplus flows into your budget envelopes — ready for when want becomes need.
Read our story →What's included
Six screens. One daily habit. Complete financial clarity.
At-a-glance view of your income, projected surplus, and how close you are to the month's target. Favorite budgets are highlighted here.
Track every income source, mark what you can count on, and wire scheduled transactions directly to budgets.
Plan every recurring bill across all 12 months. Import from a spreadsheet template in seconds.
Your daily screen. Track spending, mark what came from budgets, handle extra income and corrections.
Priority fill, standard, or no-fill. Three budget types for every situation — vacation, auto, reimbursements.
A streamlined mobile screen showing your surplus, spending sources, and a fast form to add purchases. Perfect for the partner who just wants the number.
Net spent, surplus trends, and budget balances over 5 years of history. Close, reopen, or undo months.
Daily routine
The Surplus page is designed to be your daily check-in.
Enter the current balance on each credit card and cash account. Clarity calculates what you've spent automatically.
Any purchase that wasn't a need gets tagged to a budget. It's deducted from that envelope and removed from the monthly calculation.
Bills from your Expenses Calendar appear with a Pay Now button. When the charge hits your card, tap it — done.
Review everything, distribute surplus to budgets, and advance to the next month. The whole process takes under 10 minutes.
Free to start
Start free — no account needed. Sync across devices and collaborate with a partner with an optional paid plan.