Plan what's coming.
Paychecks, rent, and subscriptions go on the day they actually hit. See your balance for every day of the month before it happens.
Budgeting app for iPhone
Your money. Your plan. Your change.
MakeChange puts every paycheck, bill, and subscription on a calendar, so you know what's safe to spend today and where you'll land at the end of the month.
Free to start
No bank login required
The app
Your whole month,
Your whole month,
planned in one place.
Most budgeting apps tell you where your money went. MakeChange shows you where it's going.
Add anything in seconds.
Expense, income, or transfer. Set it to repeat, pick a category, done. Or just tell the AI assistant what you spent and it adds it for you.
Know what's safe to spend.
Safe to spend shows what you can spend today and this week without missing a bill, right next to your net worth, assets, and debts.
See where you'll land.
Outlook projects your balance forward from your own calendar, across checking, savings, and investments, up to a year out. No guessing at the end of the month.
Projection insights are a Premium feature
Get graded every month.
Your monthly report card grades the month A through F, shows exactly where your money goes, and gives you one clear next step toward your savings goal.
Monthly report card is a Premium feature
Make every dollar count.
Calendar
MakeChange
Balance · Oct 1
$0
End of month: $0
Try it
Cancel a subscription.
Cancel a subscription.
Watch the month change.
A sample month, running on the same idea as the app. Tap any day to see what's scheduled, or switch subscriptions off to see your end-of-month balance move.
What if you cancelled…
End of month$0
Saved per year$0
Demo with sample data. Download the app to plan with your own.
How it works
Three steps. No spreadsheet.
Plan
Add your paychecks and bills in seconds. Set the ones that recur to repeat.
Track
See every day's balance, where it goes, and what's safe to spend.
Make Change
Adjust what you need to, save more, and finish the month ahead.
Money shouldn't feel complicated.
MakeChange gives you a clearer way to plan what comes in, what goes out, and what matters most. Built for people figuring out rent, paychecks, and subscriptions for the first time, not for finance professionals.
Forward, not backward
Plan the month before it happens instead of sorting receipts after it's over.
Useful on day one
No 30-minute setup. Add your income and a few bills and your month takes shape.
Your data stays yours
No bank login required. Your data is encrypted, and we never sell it.
The story behind it
Dominic V. Coda · Founder, MakeChange
Why I built MakeChange
I didn't build MakeChange because I was running a company with a team of financial engineers. I built it because I kept using other finance apps and wishing they worked differently.
I wanted to see my balance for every day of the month — not just a pie chart of last month's spending. I wanted to plan ahead, not just look back. Every app I tried either did too much or too little. None of them felt like they were actually built for how I think about money.
So I started building one myself.
Every feature in MakeChange started with a simple question: would this actually help someone manage their money better? Not "is this technically impressive" — just, does it help?
I'm still building it, still improving it, and still learning. That's intentional. MakeChange is being built for real people by someone going through many of the same financial situations as the people using it.
If that sounds like you — this app was made for you.
