LastwellLastwell Financial
Join the beta

No bank linking, ever

Know exactly how long your money lasts.

Type in your cash, your pay and your bills. Lastwell shows you the exact date things get tight, and what you have left after payday.

Try the live demoJoin the beta, free Pro until 31 October

No card, no bank linking. Accounts created during the beta keep 50 percent off their first year.

How it works

  1. Step one: Tell it your cash on hand
  2. Step two: Add your pay and your bills
  3. Step three: See the exact date things get tight

Setup takes about two minutes, and there is nothing to connect.

Your runway, in plain language

Not a pie chart of last month. A sentence: “You’re covered until 14 March.” The balance timeline projects your bank balance forward day by day, so you can see the exact date things get tight - and what saves you.

47 days

of runway · lowest point $312 on the 22nd

Every paycheque, decoded

Tap any payday and see what’s already spoken for before you touch it - rent, hydro, the card payment - and what is genuinely free. Budgeting by paycheck, without the spreadsheet. Three-paycheque months get flagged automatically.

$2,400 pay · $1,632 committed · $768 free

Ask anything

Type a real question and get a real number, computed by the same forecast engine - not a guess.

“What's the max I can spend on a car repair and still make my mortgage?”

$1,840 today and you still stay above your $500 buffer for the next 60 days. The tightest day is 22 March, right before rent.

A budget app without linking your bank account

Lastwell never connects to your bank. No credentials, no data brokers, no ads. You type your numbers; they stay yours; export or delete anytime.

  • No bank logins and no aggregator in the middle.
  • No ads, and nothing sold to data brokers.
  • Export everything as your own data, whenever you like.
  • Delete your account and the numbers go with it.

Read the full privacy commitment.

Free calculators, no signup

Same forecast engine as the app, running right in the page.

Thinking about switching?

Honest comparisons, including the things they do better.

Frequently asked questions

Does Lastwell connect to my bank account?
No. Lastwell never connects to a bank, never asks for banking credentials and uses no aggregator like Plaid. You type your balance, your pay and your bills. That is the whole input.
How is this different from a budgeting app?
Budgeting apps mostly look backwards and sort what you already spent into categories. Lastwell looks forward: it projects your actual balance day by day, tells you the date your money runs out, and answers questions like 'what's the most I can spend on a roof repair without going under?'
Does it work for biweekly, semi-monthly and monthly pay?
Yes. Weekly, biweekly, semi-monthly, monthly, quarterly and annual pay cycles are all supported, with weekend shifting for bills that land on a Saturday or Sunday. It automatically shows the three-paycheque months that a monthly budget hides.
Can it track credit cards and loans?
Yes. Card spending affects the card balance, not your cash, until the payment lands on the due date - sized by your strategy (full statement, fixed amount or minimum). Loans amortise to a real payoff date, and you can test extra payments.
Is there a free version?
Yes. Lastwell is free to start - forecasting, the calendar, cards, loans and the calculators. No credit card required to sign up, and the calculators on this site need no account at all.
Can I install it on my phone?
Lastwell is a progressive web app. Open it in your phone browser and add it to your home screen; it opens full-screen like a native app and works on iPhone and Android.
What happens to my data?
It stays yours. Your numbers are stored in your own private account, never sold, never shared with data brokers, never used for ads. You can export or permanently delete everything at any time.
Does it work in Canadian dollars or other currencies?
Yes. Canadian dollars is the default, and you can switch to US dollars, pounds, euros or any other currency in settings. Amounts are stored exactly, in whole cents.