Every morning, a calm little email tells you where you stand until payday.
No app to learn. No settings to configure. No guilt.
Just enough information to know you're okay—and nothing more.
My grand-father used to say that there are only two certainties in life: death and taxes. I recently remembered his saying and started believing that if I were less anxious about taxes I would have reduced life's uncertainty by half.
I couldn't because looking at my bank account every morning made me feel bad. Because I didn't know what the number I was looking at meant. When was payment X due? My rent is passed right? What about my loan? Beginning or end of the month? Etc.
I tried every app there is, only to be met with dashboards, categories, charts, notifications, sync errors, and that special kind of cognitive strain that only software can deliver.
As a psychologist, I got angry and designed the only solution I knew my brain could tolerate.
Peach Budget is built on a simple idea borrowed from cognitive psychology: your brain learns best when it isn't overwhelmed. So we stripped everything away until only the essential remained.
No chrome. No configuration. No learning curve. Just the least amount of information you need to feel in control of your money—delivered so gently your brain barely notices it's learning.
Connect your bank. We look at your recent spending to understand your patterns—what's a bill, what's groceries, what's everything else.
From that, we propose three budgets:
Essential — the non-negotiables. Food, transport, the stuff you can't skip.
Recreational — coffee, clothes, spontaneous dinners. The stuff that makes life worth living.
Recurring — subscriptions, rent, utilities. The predictable stuff we can plan around.
Then, every morning, we check your balance and compare it to where you should be.
Think of it like a speedometer. You're not getting pulled over or fined. You're just glancing down to see: am I cruising, or should I ease off the gas?
That's what the email shows you. A reading, not a lecture.
We want to disappear.
Our design approach is extremely minimal because cognitive science says your brain handles thinking about difficult things better when there's less noise. Every element we removed is a tiny weight lifted from your mental load.
Over time, something shifts. The morning email stops feeling like a chore and starts feeling like a small reassurance. Your brain stops bracing for bad news. Checking in becomes automatic, even pleasant.
This is what happens when software respects how you actually think.
This matters, so let's be clear about it.
When you sign up, we ask permission to look at your transaction history. This is how we learn your patterns and propose your budgets. Once that's done, we don't store your transactions.
After setup, we fetch one thing each day: your balance. That's it.
No transaction logs sitting on our servers. No data to sell. No creepy knowledge of every coffee you buy.
We know what we need to know, and nothing more. Humble design applies to your data too.
Two things in life are certain. Let's get one of them under control.