05Personal finance app + free guidesSample dataLive app · free core
What can I spend today? Karat does the math.
Karat turns income, spending, unpaid bills, and the days left into a daily Safe to Spend estimate, then shows the math. It also tracks budgets, debt, goals, and net worth. It is a planning tool, not financial advice.
Product screens · sample data
How Karat works.
Sample data replaces private details.
Karat + The Money Field Guide
Today turns income, spending, unpaid bills, and days left into one estimate. 
Tap the estimate to see the budget, bills, days left, and calculation. 
See each transaction’s date, category, and amount. 
See each limit, amount spent, and amount left. 
See each goal, savings, deadline, and needed pace.
Problem
Monthly income does not answer the daily question: what can I spend now and still cover what is due?
What I built
Karat calculates a daily estimate from the month’s income, spending, unpaid bills, and days left, then shows every number behind it.
What I can build from this
A product that turns complicated customer data into one answer people can understand and verify.
What I owned
I built the mobile app, financial calculations, account syncing, exports, privacy controls, and the self-hosted service behind it.
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