Know your real spending power in under a minute
Enter your balance, add your bills, and watch your available cash update in real time — synced to your pay period, not the calendar.
Start with your bank balance
Just type in what your bank says right now. That's it — no account linking, no importing.
Apr 15–30
Pay Period
Available
$0.00
See exactly when you'll be debt-free
A line-by-line plan for every balance, with the power to test any extra payment before you make it.
Visa Platinum
22.99% APRPersonal Loan
12.40% APRAuto Loan — Civic
5.49% APREvery balance
Start with every debt you carry
Credit card, car loan, student loan — stack them in one place, sorted by APR so the most expensive one stays in view.
Plan your money like you plan your life
Drag income events, connect them to bills and debts, and watch your allocations flow in real time. The Events Canvas turns financial planning into something you can see and control.
Connect the Dots
Link income to bills and debts visually
Smart Allocations
See how every dollar flows with progress bars
One Canvas, Full Picture
Pay periods, debts, and income — all connected
Shared finances, your way
Connect with your partner and decide what lives in the joint view. Any category, view-only or full edit, changeable anytime. Everything stays end-to-end encrypted, even from us.
Per-category control
Share Budget, Debts, and Events independently. Anything you leave private stays entirely on your side.
View or co-edit
Give your partner a read-only view, or full edit access to handle pay periods and mark bills paid together. Switch any category any time.
Encrypted between you
Shared data is protected by a Joint Encryption Key only you two hold. Disconnect and it's gone — your numbers go right back to private.
A note from the creator
Why I built Tens Of Dollars
“I managed my money with a spreadsheet for years — just my bank balance, my known bills, and what I’d have left. No categories, no transaction tracking, just that one number. It worked so well that I finally turned it into an app.
Tens Of Dollars is the replacement for that spreadsheet. If you’ve ever given up on a budgeting app because the upkeep was worse than just winging it, this might be for you.”
Nick
Creator of Tens Of Dollars
Your money data stays yours
Your financial information is personal. That's why we use end-to-end encryption — everything you enter is protected with a password only you know. Not even we can see your numbers.
Your Eyes Only
Your balances, bills, and debts are encrypted before they leave your device. Only you can unlock them.
We Can’t See It Either
Even our team has no way to view your financial details. Your data is always protected.
No Bank Login Needed
We never ask for your bank username or password. Just type in your numbers—simple and safe.
Protected with the same encryption trusted by banks and governments.
Simple, honest pricing
Try everything free for 14 days. No credit card required to start.