YOUR MONEY, WITH A PLAN
Rent, groceries, the next big thing. Give your paycheck a plan for all of it—with room to breathe.
Currently free. No card. No bank connection.
Bills first. A buffer next.
A clearer view of what’s left.
What remains after your planned bills and buffer.
Sample numbers. Nothing is saved or moved.
01 / A PLACE TO START
You don’t need to have it all figured out. Start with your income and bills. Build from there.
Add your take-home pay and the bills you need to cover. You enter the amounts; your bank stays out of it.
Choose how much of what’s left to plan toward your cushion. Small steps can be part of the plan, too.
Get an estimate after planned bills and your buffer. Update your numbers as life changes.
THE IDEA BEHIND CUSHION
Some of that balance is next week’s rent. Some could become your emergency buffer. Cushion helps you see the difference before you spend.
Try the paycheck example02 / ROOM TO FIGURE THINGS OUT
For the first apartment, the changing work schedule, or simply knowing where this month’s money needs to go.
Keep amounts, due dates, and recurring bills together. See which ones come before your next payday.
Explore a smaller paycheck, a new expense, or a different split in the simulator without changing your saved plan.
WHAT-IF SIMULATORTrack your cushion and income history. Use the Life Planner to explore goals and future scenarios.
INSIGHTS & LIFE PLANNERList recurring subscriptions, flag the ones you rarely use, and see their estimated cost over time.
SUBSCRIPTION LEAK DETECTOR03 / ALWAYS YOUR CALL
You bring the numbers. Ascendya helps you organize them. It never connects to a bank or makes a payment, transfer, or investment for you.
Your financial data is stored on your device and syncs automatically for signed-in accounts when the sync service is available. Read how storage, sync, and deletion work before you get started.
The privacy detailsNo. Ascendya is in development mode. This website and software are for beta testing only, and we are not yet a fully operational service. Features may be incomplete or change during testing.
Yes. Beta testing is currently free, with no card required, no paid subscription, and no trial that turns into a charge. If paid features are introduced in the future, you will choose whether to purchase them.
No. You enter your own income, bills, and expenses. Ascendya calculates a plan from those numbers; it cannot see your bank balance, import transactions, or move your money.
Cushion subtracts the bills you enter from your paycheck, then allocates a percentage of the remaining amount to your buffer. The rest is your Safe-to-Spend estimate. Keep your figures up to date and include your expenses; it is a planning estimate, not a guarantee.
Adults who want a clearer picture of their everyday money. Whether you are balancing classes and part-time work, starting your first full-time job, or organizing household bills, you can build a plan around the numbers you enter. You must be 18 or older to create an account.
Not yet. Ascendya Chat is coming soon. The budgeting, bills, buffer, planning, and educational tools described here are development previews available for beta testing only and work without an AI assistant.
START WHERE YOU ARE
No card required. For adults 18 and over.
