Fund of One

A sinking fund budget tracker that tells you exactly how much to set aside each pay cycle so you're never caught short. Monthly subscriptions, annual fees, tax repayments, a fortnightly paycheck — it handles the math so you don't have to. Most people have a mix of regular and irregular expenses. Income arrives on a fixed schedule, but expenses don't. Traditional budgeting apps track what you've spent — they don't help you plan ahead for what's coming. This app manages sinking funds: virtual pools of money earmarked for future expenses. Tell it what you owe, when it's due, and how often you get paid. It calculates the exact amount to set aside from each paycheck so every bill is covered when it arrives. The engine adapts in real time. Fall behind? Contributions ramp up. Get ahead? They ease off. New expense? Everything recalculates instantly. A 6-12 month projection flags crunch points before they become emergencies.