Know what's left. Before the month starts.
Sample household · September
income − burn − budgets = what's left
Bukits finds every bill and subscription in your accounts, shows what each month really leaves you, and points every spare dollar at your debt. See your own numbers in about five minutes, free.
No card until you’ve seen your numbers. About 5 minutes.
Sample household. The Overview on Sun Sep 20, day 20 of 30.
The difference
Looking back vs. looking ahead
Most money apps tell you where it went. Bukits tells you what's left.
Same accounts, same transactions. A different question: not "what happened?" but "what can this month still do?"
| Most money apps | Bukits |
|---|---|
| Show you where your money went | Shows what is left before you spend it |
| Hand you categories to sort | Sorts every charge for you, with a reason; you just confirm |
| Leave the debt math to you | Gives you a debt-free date and redoes the plan every month |
| Tell you to cancel things | Tells you what to do next, then checks your statement to confirm it stopped |
| Some keep a share of what they "save" you | A flat $12 a month. Every dollar found is yours |
| One login per person | One household, both phones, every change signed with a name |
| Surprise you with a thin week | Warns you days ahead and shows the ways out |
How it works
Burn → Budgets → Debts → Savings
Every dollar leaves in the same order.
What comes in pays four things, in this order, every month. Bukits knows the first one before the month starts, so what's left is a real number, not a guess at the end of the month.
- Comes in $6,180
- Burn $4,294
- Budgets $1,650
- Left $236
- Found by Bukits, moved from burn to left $164
- Sample household
- 01
Burn
Bills, debt minimums and subscriptions. Found for you, known before the month starts.
$4,294
- 02
Budgets
Groceries, gas, eating out. What you choose to spend.
$1,650
- 03
Debts you switch on
What is left goes to the highest rate first.
$236 today · $400 with the cuts
- 04
Savings gets the rest
The emergency fund first, then the long run.
The rest once the debts are gone: $1,022 a month
Burn
bukits.ai/burn
Every bill and subscription, found for you.
Link your accounts and Bukits finds everything that repeats: rent, daycare, the phone bill, 14 subscriptions, the three debt minimums. It tells a bill from a subscription, notices when a price goes up, and knows October's burn before October starts.
- October's burn, known today$4,294
- 14 subscriptions$289/mo
- 3 debt minimums$622/mo
- Price went up · Xfinity$75.40 → $80.40
Sample household.
Reduce
bukits.ai/reduce
Find the money you're already losing. Then keep it.
Each find comes with what to do next (step-by-step cancel guides are coming soon). When you say "I cancelled it", Bukits watches your next statement and confirms the charge really stopped.
- Corner Gym · cancel$47.00
- Phone, 2 lines · smaller plan · estimate$45.00
- Car insurance · shop around · estimate$36.00
- Xfinity · negotiate · estimate$25.00
- Apple Music · overlaps Spotify Family$10.99
- Found, a month$164$1,968 a year · sample household
Bukits never cancels or negotiates for you. You make the call; it checks the result.
Debt payoff
bukits.ai/buckets
A debt-free date you can move.
What is left each month goes to the debts you switch on, highest rate first. Bukits works out the date and redoes the plan every month as life changes.
Minimums only
Apr 2031With $400 a month
Jun 2028- Sooner34 months
- Less interest$4,827
- Then free, every month$1,022
Sample household: $18,420 across three debts. Likely range May–Aug 2028.
Calculator
Put in your own debts.
Starts with the sample household. Change any number.
Cash flow
bukits.ai/cash-flow
No more surprise-thin weeks.
Bukits lines up each paycheck against what comes due before the next one, and tells you days ahead when a week will run thin. Then it shows the ways out.
- Seen 18 days outThu Oct 8
- Checking gets down to$88
- Your cushion$500
- Why: yearly car registration, Oct 6$389
The ways out
- Send the $236 extra Oct 9, not Sep 30low $324
- Pay the registration Oct 9low $477
Sample household.
Budgets, for two
In your phone's browser
One plan. Both phones. Every change signed.
Spent and left, drawn in one bar, with a line for where the month is. You each use your own phone; the plan is shared, and every change carries a name.
- Safe to spend, 10 days left$48 a day
- Left in budgets$507
- Dining out$25 over
Sample household. No app store: add Bukits to your home screen and it opens like an app.
AI sorting
Sorted, with a reason
AI that shows its work.
New charges are sorted for you with a confidence and a reason you can read: "A coffee shop. You put your other coffee shops in Dining out." One tap to change it, and Bukits learns.
Sent, only after you say yes
- Merchant name
- Amount
- How often it repeats
- Your bank's category
Never sent
- Account numbers
- Balances
- Your name
Wealth plan
bukits.ai/wealth
After the debt, the long game.
Once the debts are gone, $1,022 a month is free. The Wealth plan lines up what comes next (emergency fund, then an index fund, or a rental property) and Learn mode explains every term in place, so you understand what you're choosing.
- Free each month$1,022
- Into an index fund fromJun 2029
- By 2043, at an assumed 7% a yearabout $293,000
Sample household. An assumed return, not a promise.
The first five minutes
bukits.ai/setup
You see your own numbers before we ask for anything.
Set-up is the demo. What you could cut and your debt-free date come first; a plan, or a card, only at the end.
- Link your accounts.Through Plaid, read-only. Or import a statement file instead.
- Confirm your subscriptions.Keep, cancel, or not mine: one tap each. ($289 a month on its own.)
- See what you could cut.Today $236 a month left; with Bukits $400.
- See your two futures.Your debt-free date, both ways.
- Choose a plan.Only now, after you’ve seen your numbers. $12 a month for the household.
About 5 minutes.
Pricing
One price per household
It pays for itself.
Sample household · a month
Every account, read-only. Spending, Burn, Budgets and Buckets. Subscriptions found for you. AI sorting for every charge. A debt plan that redoes itself each month. Cash flow to the day. Cancel guides and call scripts, coming soon. No card until you’ve seen your numbers.
Read-only
Bukits sees balances and transactions. It can't move money, pay bills or open anything.
Never moves money
It finds and explains. You send the extra, you make the call.
No bank password
You sign in inside Plaid's window. Your password never touches Bukits.
Or don't link
Import a QFX, OFX or CSV statement from your bank instead.
Questions
Asked, and answered plainly.
Is it safe to link my bank?
Bukits is read-only: it can see transactions and balances, never move money. You sign in through Plaid, so your bank password never reaches Bukits. Prefer not to link? Import a statement file instead.
Will Bukits cancel things for me?
No. It finds what you could cut and tells you what to do next (step-by-step cancel guides are coming soon). When you've done it, tap "I cancelled it" and Bukits checks your next statement to confirm the charge stopped.
What does the AI see?
The merchant name, the amount, how often it repeats and your bank's category, only after you say yes. Never account numbers, balances or names.
Can my partner use it too?
Yes. Invite them with a link. You both see the same accounts and plan, and every change shows who made it.
How is this different from a budgeting app?
Budgeting apps sort where money went. Bukits starts from what is already spoken for, tells you what is left before the month starts, and turns it into a debt-free date.
Is there a free trial?
No. The set-up shows your own numbers first: what you could cut and your debt-free date. Then Bukits is $12 a month for the whole household, and you can cancel any time.
My bank isn't listed.
Import a QFX, OFX or CSV statement. Bukits reads most bank exports.
Is there an app?
Bukits runs in your phone's browser. Add it to your home screen and it opens like an app.
Your household
income − burn − budgets = ?
See yours in five minutes.
Try the blanks. Not sure what goes in the middle one? That's the number Bukits finds for you, from your own accounts.
No card until you’ve seen your numbers. About 5 minutes.