Keep afloat through every tide.
Envelope budgeting for people whose income is not the same every month. Afloat turns what lands into a steady amount you pay yourself, sets tax aside automatically, and gives every remaining amount a job.
Helps you navigate the highs and lows
Income comes in tides. Afloat shows how many months you can keep paying yourself through the ups and downs, and colours the whole app to match.
Four moves. Then calm.
Afloat sits on top of the ups and downs and runs one simple, steadying loop.
Log your income
Log each deposit as it lands. Afloat instantly splits it into a tax reserve, an optional savings slice, and your spendable buffer.
Pay yourself
Draw a fixed amount from the buffer on your own schedule: weekly, twice a month, or monthly. Steady take-home, however lumpy the month.
Give it a job
What you draw arrives as Ready to Assign. Spread it across envelopes with targets, and whatever is left over carries into next month.
Stay afloat
Watch your runway: the one number that tells you how many months your buffer can keep paying you. Colour-coded, always a glance away.
Give every amount a job
What you pay yourself arrives as Ready to Assign, and you spread it across envelopes you name. Real zero based budgeting: monthly targets, leftovers that carry into next month, and credit cards that set their own cash aside so the card can always be paid in full.
Know what's due before more money arrives
An envelope can say when its money has to be there: weekly, monthly, quarterly or yearly, on a day of the month, a weekday, or the last day. Afloat measures every one of them against your next payday, because when income is irregular the calendar month is the wrong unit.
A yearly bill gets saved up for a slice at a time. Fund $1,200 at $100 a month and you are hitting the target perfectly, and still $900 short in the month it actually leaves. Afloat counts both, and does the division for you.
Steer your pay before it drifts into spending
Afloat helps manage your income. Every deposit is broken down the moment it lands: tax, savings, and spendable buffer. Set your percentages once and the app calculates the split automatically.
The habit that keeps you afloat
Don't spend income as it lands. Fill your Spendable Buffer, and pay yourself a steady amount from that. Pick monthly, twice a month, or weekly, and Afloat counts down to each payday.
Sail smoothly through tax season
Set your tax rate and filing period. Afloat calculates the cut from every deposit, so you know how much to reserve.
Stowed away for future you
Skim an optional slice off every deposit into a pot kept apart from your spendable money.
See how you're floating at a glance
Most stress comes down to not knowing where you stand. Afloat colours the whole app to match, so one look tells you.
Your boat never leaks.
Your data stays secure on your device or your iCloud storage. Forever.
No account, no bank login, and no servers of ours. Optional sync runs through your own iCloud, encrypted by Apple. Because Afloat manages your money, it doesn't move it.
Afloat, screen by screen
Every part of your money, one calm tap away.
Every budget needs a steady number. Afloat makes yours.
Other apps hand you the envelopes and assume the same amount lands every month. Afloat hands you both: deposits split themselves as they arrive, you pay yourself a set amount out of the buffer, and that steady amount is what the envelopes divide.
AfloatEverything a budgeting app does, on income a budgeting app can’t plan for.
Switching? Bring your budget with you. Afloat reads a CSV from another app, recognises the common layouts, transaction registers and monthly budget exports alike, and shows you the plan before it applies it. Nothing is merged silently.
Questions, answered
Afloat
Come aboard Afloat
Afloat is live on the App Store. A steady amount to pay yourself, tax set aside, envelopes for everything else, and your runway in view from day one.