How much
can I spend
today?

The only question a budget has to answer.

Answered from up to two years of your actual spending.

It starts with what you already did.

Daylight reviews up to two years of available transaction history, finds your recurring expenses, and calculates what you normally spend. No page full of empty boxes.

Then it does the arithmetic in front of you.

Forecast income $7,120
Every recurring bill27 of them, annuals included −$4,285
The savings you choseAccounted for first, like a bill −$500
Left for discretionary spending $2,335

Yours to spend today

$0

$342 left across nine days. Spend less and the rest carries forward. Spend more and it helps you rebalance.

Designed to be checked in seconds.

No dashboard to open, no chart to study — and it arrives in the morning, while the decision is still ahead of you.

7:00
7:00
Tuesday, 4 August
daylightnow

Good morning. $47 today, and $11 of yesterday’s went into the Bank.

Tell me when it’s ready

Daylight is coming to iPhone first. One email when it opens. Nothing else.

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Budgeting shouldn’t create more work.

Most budgeting apps give you another system to manage. More categories to fill in, more transactions to review, more charts to interpret.

Daylight is built around a simpler idea: once tomorrow’s bills and the goals you care about are accounted for, you should be able to see what today can afford.

No daily spreadsheet ritual. No mental arithmetic at the checkout. Just one useful number, with all the detail available when you want it.

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How it works 1 / 3
01

Your budget starts with your life.

You should not have to invent a budget from a page of empty boxes. Connect your accounts and Daylight reviews up to two years of history, then hands you a realistic starting plan.

Read-only connection through Plaid
Every recommendation shows its sample size
You change what does not fit
Your proposed planStep 4 of 7
Groceries24 mo$640
Restaurants24 mo$310
Subscriptions18 mo$74
Gas & transportProvisionalYou set it
Looks right Adjust
Marked provisional where there is not enough history to be confident.
02

It remembers the bills you forget.

Rent is easy to remember. So is the phone bill. What wrecks a daily budget arrives less often — annual insurance, quarterly fees, renewals, registrations.

Accounted for across the whole year
Set aside gradually, never sprung on you
Only then does it work out today
Next 12 months27 found
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Auto insuranceAnnual$1,640
Water & sewerQuarterly$92
Vehicle registrationAnnual$186
Set aside each month$161
03

One number for the day ahead.

Your plan becomes a daily allowance: the amount your budget says is yours to spend today. It does not replace the budget — it makes the budget useful at the moment you decide.

Checked in seconds, no dashboard
Spend less and the rest carries forward
Spend more and it helps you rebalance
Yours to spend today $47
This week$86 carried forward
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Carried forward this month$284
Updated 2 hours ago

Every number comes with the receipts.

Daylight does not ask you to trust a black box. Open a recommendation to see the spending behind it. Open your daily number to see how income, bills, savings, and discretionary spending produced it. Open an encouraging claim to see the transactions that prove it.

When Daylight has limited history, it says so. When a bank connection is behind, it shows what may be missing. If there is not enough reliable information to produce a useful number, it does not pretend otherwise.

Restaurants, this month$268.40
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Updated 2 hours ago · recent transactions may not have posted

A budget without the guilt trip.

Spending more than planned is not a character flaw. It is information.

Daylight helps you see what changed, adjust the affected category, and continue with a plan that still makes sense. There is no punishment, no dramatic reset, and no red warning designed to make you feel bad about buying dinner.

The goal is not to win at budgeting. The goal is to make your money easier to live with.

Groceries ran $50 over in July
Top up from what’s left$200 unspent this month$50
Or raise the planYour daily number drops by $1.70$690
Either way the month keeps working. You pick which.

Progress you can actually prove.

Daylight measures progress against your own history — not a national average, and not a target we invented for you.

It can show when spending has fallen, when a savings goal is moving faster, or when several small changes have added up to something meaningful. Every statement includes the number that produced it and can be opened to see the evidence.

No empty praise. No made-up milestones. Just progress that happened.

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Illustrative figures. In the app each statement opens to the transactions behind it.

Read-only means read-only.

Daylight connects to your financial accounts through Plaid. Your banking credentials are entered into Plaid, not Daylight.

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The daily number is a spending plan, not your bank balance. Bank transactions can take time to appear, so Daylight always shows how current its information is. Before a payment where the exact available balance matters, check with your bank.

Read the full security overview →

Frequently asked questions.

If yours isn’t here, join the list and ask — we answer within a day.

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See what today can afford.

A useful budget should not require constant attention. It should help you make the next decision and get out of the way.

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