Freedom within limits.
Residual is a zero-based budgeting app that tells you exactly what you can spend — so you can stop guessing and start living.
Built around how you actually spend
Safe-to-spend at a glance
Your dashboard shows exactly what's left of your regularly scheduled spending money after bills and savings — no mental math, no surprises.
AI-powered budget setup
Answer a few questions, connect your bank accounts, and Residual builds your first budget automatically.
Envelope-style buckets
Money is automatically allocated to buckets according to your plan before you spend it. Know at a glance which buckets are running low.
Real-time bank sync
Connect your accounts through Plaid and watch transactions appear automatically — always up to date without lifting a finger.
Everything a budget needs
Residual handles the complexity so budgeting stays simple.
Account for overspending
When you go over in one bucket, Residual prompts you to cover the excess from another bucket, keeping you on track.
Manage money as a couple
Share your plan with a partner to work on your goals together and bring clarity to your spending.
Plan future income
Plan your automated bucket allocations against your actual expected income, ensuring you never overbudget or miss your goals.
Credit cards, handled
Envelope budgeting that works seamlessly with credit cards — money to cover your monthly bill is set aside automatically as spending happens.
Hands-off categorization
Transactions are auto-categorized and matched to your buckets — no tedious categorizations or approvals.
Smart alerts
Get notified when a bucket is running low, a large transaction lands, or you're on track to use up your spending money early.
Common questions
What people are saying
“Do you have it built yet?”
My Friend Rob
Early Believer
“I'd use it.”
Caleb, Gym Bro
Potential User
“What was it you're making, and is that your own thing?”
Mom
Curious Supporter
Early access
Be first in the door
Residual is finishing up. Join the waitlist and we'll let you know the moment it's ready.