Day-precise cash flow forecasting and scenario modeling for households that plan ahead.
What you get
Headwise takes your income, bills, and spending habits and projects them forward to the day. Invite a partner or family member, and everyone plans from the same numbers.
Expected Position
+$842
See your projected month-end balance right now: income compared against all planned expenses, updated daily, so month-end holds no surprises.
CoreFreedom Day
June 14
The day your income covers every planned expense for the month. Everything after that is surplus you decide what to do with. Most people don't know this number.
CoreSpending is 12% below forecast this month.
Personalized observations based on your actual spending patterns, not generic tips. Headwise notices what you'd miss on your own.
AI-PoweredRunway
8.2 mos
How long your liquid savings can sustain your lifestyle without income. It's a number every household should know, and most don't have.
CoreAvalanche or snowball: model both, see the interest savings, and pick your strategy. The paydown math is already done for you.
Headwise+Runway now
8.2 mos
With raise
11.4 mos
Test what happens if you buy a car, get a raise, or cut a subscription, and see the real monthly impact before you commit.
Headwise+Transactions sync automatically from your connected accounts. AI categorizes every entry and learns your merchants over time.
AI-PoweredEvery upcoming bill and expected income plotted on a calendar. See cash flow by day so you know exactly when money is tight or flush.
CoreYou and Jordan share one budget.
Invite a partner or household member to share the same financial picture, so everyone works from one budget and one plan.
CoreHeadline findingSpending down 8% from May. On pace for a strong June.
A plain-English financial health summary written by AI every month: your grade, headline finding, and three things to do next. It works like a CFO check-in for your household.
Headwise+Coming to your pocket
A native app is in the works. Headwise will show the same Expected Position, Freedom Day, and Burn Rate (what you're spending per day, and whether that pace protects your Freedom Day) on your phone and on your wrist.
Expected Position
+$842
projected end of month
Available Cash
$12,400
checking + savings
Runway
8.2 mos
non-discretionary
Freedom Day
June 14
Expenses covered; the rest is surplus
Income covers expenses by day 14, with 16 days of surplus left.
Before you open it
Every surface below pulls from the same forecast the app shows, and each one takes less effort to reach.
Sits on the home screen next to the app icon. Refreshes a few times a day from the same numbers the app shows, so you don't need to unlock your phone or open the app.
9:41
Tuesday, June 3
Headwise shows your Freedom Day, plus a thin pace bar that tells you whether you're on track.
A raised wrist beats a pulled-out phone for a single glanceable number.
Burn Rate ticked up to $74/day. Freedom Day would slip to June 16 at this pace.
You get this the moment your pace changes. It needs live bank sync, so it arrives once bank connections are live.
How Headwise compares
| What you want to know | Typical budgeting apps | Headwise |
|---|---|---|
| Where did my money go?Categorized spending and budget vs. actual | ||
| What will my balance be on any day ahead?A day-by-day projection of bills, income dates, and your spending habits | ||
| When will money get tight?The lowest point your balance is headed for, before you reach it | ||
| Is my forecast realistic?Adjusts for how you actually spend compared with your plan | ||
| What if I change something?Test a car, a raise, or a lost client before you commit | Headwise+ | |
| How long could I cover the essentials without income?Cash runway in months | ||
| Can it explain the numbers in plain English?Observations from your own data, not generic tips |
Standard or fully covered Some apps, or partly Rarely offered
Headwise is built for the next few months, where a forecast rests on real paychecks and bills and can be checked against what happens, rather than decades-long projections.
Based on publicly described features of leading budgeting apps as of September 2026. Features change often.
Getting started
Connect your accounts, tell Headwise your plan, and it takes care of the rest. Actuals flow in automatically from day one.
Step 01
Link your bank accounts and Headwise starts pulling in transactions automatically. Prefer not to connect one? You can add it yourself anytime.
Step 02
Add your income sources and recurring expenses. Headwise starts forecasting immediately, before your first transaction even syncs.
Step 03
Your dashboard shows your Expected Position, Freedom Day, AI insights, and Budget vs. Actual, updated automatically with every transaction.
Pricing
After beta there will be two plans. Headwise Core has everything you need to see where your money is headed, and Headwise+ adds deeper planning tools: debt payoff, scenario modeling, savings, and AI reporting.
Includes everything you need to see where your money's headed.
That's $8.25/mo, billed annually**
Free during beta. First 50 founding members get Headwise+ free for good.*
Adds the deeper planning tools: debt payoff, scenario modeling, savings, and AI reporting.
That's $12.42/mo, billed annually**
Free during beta.
*Limited to the first 50 people who join the waitlist and are activated during beta. The founding-member offer includes Headwise+ features. After beta, Headwise moves to paid pricing at general availability.
**Pricing shown is planned pricing and is subject to change before general availability.
Questions
Short answers. Email us if we missed yours.
How is this different from a budgeting app?
Most budgeting apps show you where your money went. Headwise runs the same data forward: your Expected Position, your Freedom Day, and what's still coming before your next paycheck. Categorizing the past is table stakes here, not the product.
Can my partner or family use it too?
Yes. Household sharing is part of Core. Invite a partner or household member and you both see the same budget, forecast, Expected Position, and Freedom Day, so one plan drives every decision.
Does it work if my income is irregular?
Yes, exactly as well as it does for a regular paycheck. Enter each expected payment on the date you expect it, or let Headwise estimate from your recent deposits. Your calendar, day-by-day balance forecast, Expected Position, and Freedom Day all follow. It works for commission, freelance, bonus-based, self-employed, and mixed-income households.
Is my financial data safe?
Your data is encrypted at rest and in transit, and access is locked down so only you can see your own information. When AI features use your data, Headwise sends only what a feature needs, such as amounts, categories, merchant names, and the labels you give your accounts, never your email or bank login credentials. Full details in our Privacy Policy.
Do I need to connect my bank account?
You'll link it once, and Headwise takes it from there. Bank connections run through Plaid, the same technology used by Venmo, Robinhood, and thousands of other apps: read-only access, and your login credentials never touch Headwise. Transactions sync automatically after that. If you'd rather not connect an account, you can add it and upload its transactions yourself at any time.
What happens to pricing after the beta?
Headwise is free during beta, and the first 50 founding members get Headwise+, including every feature, free for good. After beta, Core is planned at $9.99/mo or $99/yr, and Headwise+ (Debt Paydown, Scenario Modeler, Savings, AI Analyst) at $14.99/mo or $149/yr. Pricing may change before general availability, and waitlist members hear first.
What should I expect after joining the waitlist?
We review every signup personally and open access in small waves rather than all at once. You'll hear from us with launch updates and an invite when a spot opens up.
Is Headwise financial advice?
No. Headwise provides forecasts, projections, and educational insights based on your own data. It isn't financial, investment, tax, or legal advice. For those decisions, talk with a licensed professional.
Will you sell my data?
No. We don't sell personal information, and we only share data with the handful of service providers that make the app work (see the Privacy Policy for the full list).
How this started
Before Headwise was a product, it was a spreadsheet. Our founder kept rebuilding it for years, because nothing else did what he actually needed it to do.
Our founder spent two decades as a financial consultant, building forecasting and planning models for some of the largest companies in the world. Global 100 organizations don't manage their finances by looking backward. They forecast: cash position, scenario impact, runway, before a decision gets made, not after.
He wanted that same discipline for his own household, so he built it himself. What started as a simple spreadsheet kept getting more sophisticated every year, because no consumer app actually did this. Budgeting apps are good at telling you where your money went. Our founder needed to know where it was going.
Headwise is that spreadsheet, finally built the way it always should have been: real software, not a file only one person knows how to maintain, carrying the same forecasting discipline usually reserved for the world's largest balance sheets, built instead for yours.
Join the waitlist
We're opening Headwise in small waves. Join the waitlist for priority access, launch updates, and a chance at one of 50 founding-member spots (free for good).
Thanks. We review every signup personally and open access in small waves. We'll be in touch with next steps, launch updates, and whether you made the founding-member cutoff.