FOR PEOPLE LIVING CLOSE TO THEIR NUMBERS
Myya Money does that math once, honestly, and then watches it every day. One number: safe through the 7th, or short, and by exactly how much. When it's short, it shows you the moves that close the gap.
2 minutes to your first answer. No card. No bank login needed.
Short through Jul 7
$400
Have $1,050 · need $1,450
Watching your dues through the 7th…
Live math from the product. Not a screenshot.
THE 2AM MATH
Your balance says $1,050 and it feels like a lie, because it is one. It doesn't know rent lands on the 7th, the card autopays on the 15th, and the client who owes you $600 has gone quiet.
Myya Money stacks every due date against what you actually have and answers the real question: safe through the 7th, or short $400. When you're short, it prices the exact moves that close the gap.
You stop doing spreadsheet math on the ceiling at 2am.
THE AWKWARD TEXT
You're owed more than you owe. But asking feels like begging, so you wait, and waiting is a pay cut you give yourself every month.
Every client gets a month strip: paid, partial, missing, or paused. The day someone goes quiet, you know. One tap records a payment. One tap sends a nudge that is firm and kind at the same time.
You collect what you earned without burning a single bridge.
THE TREADMILL
You make every payment on time. Minimums, autopays, the works. And the balances barely move. Nobody ever showed you which debt is eating you, so you feed them all equally.
Myya Money ranks every card and loan by the interest it burns per month and flags the traps that grow faster than you pay them. Kill order, not guilt. Dates, not vibes.
You see the day each debt sets you free, and how to move it closer.
THE PAYCHECK GAP
You got paid Friday. Rent is Monday. The deposit number in your app is not the number you can spend.
Take-home pay minus what must leave before your next check. That is the spendable truth. Myya ties your paycheck to rent day so you stop guessing after every deposit.
You know what landed and what is still spoken for before you swipe.
No loan offers. No "pre-approved" banners. No affiliate anything. Myya Money exists to get you out: it ranks every loan by the interest it burns per month, flags the ones growing faster than you pay them, and sequences the payoff so the expensive debt dies first. The payday decoder exists because a "15 percent fee" on a two week cycle is nearly 400 percent APR, and someone should finally print that number.
Try it before signing up: the payday loan decoder and the interest bleed scanner are free, no login.
One avoided overdraft fee. One subscription you forgot. One debt moved up the kill list. The month pays for itself when the number stays honest.
Not a latte-shaming budget app. Not a credit card referral shop. Not a subscription canceller that takes a cut. We sell one thing: your numbers, organized and read back honestly, every day.
We sell software for $10 a month. We do not sell data, run ads, or push loan offers. There is nothing else in the business model to explain.
Connect Chase or Amex once. Every card on that login syncs. Mom in India? Forward the PDF. Your partner? Share the notebook. Credentials go to Plaid, never to us; the access token is encrypted at rest. Unlimited statement uploads for everything else.
Every table enforces row-level security. Your notebook is readable by your account and no other, and that rule lives in the database itself, not in app code that could forget.
CSV export is free forever, even if you never pay us. Deleting your account wipes every notebook you own, immediately, from inside the app. No email to support. No retention dance.
WHY THIS EXISTS
The first person this was built for ran a real business with real clients, and still lay awake before every rent day. She was owed months of income across a chase list nobody tracked, while payday lenders quietly took triple digit rates off the top. No budgeting app cared. They all wanted her to categorize lattes.
So we built the thing that answers the actual question. Am I safe through the date that matters, who owes me, and which debt do I kill first. She runs her whole book on it now. That standard, one honest number a person can act on, is the whole product.
Connect Chase or Amex once. Every card on that login syncs. Mom in India? Upload the PDF. Your partner? Share the notebook. No ads. No data sale.
14 days free, full product
…so you see a whole rent cycle and a whole chase cycle with your own numbers.
No card to start
…so the trial is a decision you make once, at the end, not a trap set at the start.
Runway + chase list + loan kill order + CFO chat that streams answers from your real ledger
…so one app answers the question instead of four apps each holding a piece.
Whole-life net worth: cash, property, funds, and debts across currencies
…so the big picture lives next to the daily number, not in a separate spreadsheet.
Share the notebook with a partner
…so two people stop reconciling from memory. One household, one truth.
iPhone + iPad app: lock-screen widget, Dynamic Island countdown on tight days, an 'I paid this' button on the home screen (App Store launch in progress)
…so the answer is one glance away without even opening anything.
Face ID lock and a privacy shield in the app switcher
…so your numbers stay yours on a shared table.
One live US bank on Plaid + unlimited CSV/PDF/email uploads
…so Chase syncs automatically and every other account still lands in the same runway math.
If you stop paying, your notebook freezes read-only
…so your history is never held hostage, and export stays free forever.
$10
per month
$96
per year, 2 months free
No card now. At worst you leave in two weeks with a free export and a clearer head.
Fourteen free tools. No login. Each one solves tonight's question in about a minute.
No. $10 includes one live US bank on Plaid if you want it. Every card on that login syncs. Everything else: type balances, upload CSV/PDF, or forward statements to your ingest address. The math is identical. Banks outside the US use the upload path today.
One US institution on Plaid: Chase and every card under that login count as one connection. Unlimited uploads for Amex on a separate login, business accounts, or accounts abroad.
Upload her statement PDF or forward it by email. Same runway math, no US Plaid cost. Household sharing lets you see one picture without merging books.
Invite them to a shared notebook or run a coach-managed book. Your wedge is one honest number for the person who actually pays the bills.
Your notebook goes read-only. Nothing is deleted, nothing is emailed to a collections bot, and CSV export stays free. Subscribe and it picks up exactly where it froze.
No. It is your own numbers, organized and read back honestly, with arithmetic you can inspect on every figure. What you do with a clear picture stays your call.
Both, on purpose. One switch flips between your personal runway and your business book: revenue, customers who owe you, money going out. The two sides finally agree with each other.
Store it encrypted, show it back to you, and nothing else. No selling, no ad targeting, no lead generation for lenders. Delete your account any time and it all goes with you.
Yes. Invite them by email from Settings and they sign into the same notebook, with edit or view-only access. Revoke any time. One household, one truth, no screenshots of banking apps over dinner.
Three ways: upload any bank's CSV or a text PDF, forward the statement email to your private in+ address and it files itself, or just type two balances. The math is identical in all of them.
Use our free paycheck calculator: enter salary or hourly pay, state, and filing status. You see federal, state, and FICA per paycheck. Then ask if that covers rent and bills before your next check.
Divide savings by real monthly burn, not guessed spending. Include debt minimums and annual bills. Our runway calculator walks dues to a date so you know if you are safe through rent day.
Avalanche saves the most interest. Snowball wins early. The honest answer is your debt-free date with your balances. Our free debt payoff calculator shows both.
Count months of cover at your real burn. Debt payments count. Most generic rules skip that. Our emergency fund calculator uses your numbers, not a rule of thumb.
A fee on a short cycle annualizes to hundreds of percent APR. Our free decoder prints the number lenders hide. Breaking one cycle is usually the cheapest exit.
No. We do not cancel subscriptions for you or take a cut. We show recurring charges in your burn and whether you are safe through rent day with them included. You decide what stays.
One live US bank link, full notebook, debt kill order, chase list, household sharing, and exports. We sell software, not ads, not data, not loan leads. If we save you one overdraft, the month pays for itself.
Two balances and a date. That's all it takes to see your number for the first time.