Features Built for Real Life
Alto helps you budget the money you actually have, when you actually have it. No more guessing, no more stress.
Budget by pay period, not by month
Traditional budgeting apps force you into monthly cycles. Alto lets you budget paycheck-to-paycheck, so you always know exactly what you can spend until your next payday.
- Supports weekly, biweekly, 1st & 15th, & monthly pay schedules
- Navigate between past and future pay periods easily
- See exactly what's due before your next paycheck
Current Pay Period
Jan 6 - Jan 17
Track every income source
Whether it's your main salary, freelance gigs, or side hustles - track expected vs actual income for each pay period. Know exactly when money arrives and plan accordingly.
- Color-coded status: green when received, orange when partial
- Multiple income streams with different frequencies
- Override expected amounts for irregular income periods
Income This Period
Jan 6 - Jan 17Expected
$2,450.00
Received
$2,450.00
Expected
$800.00
Received
$650.00
Expected
$200.00
Received
$0.00
Expected
$3,450.00
Received
$3,100.00
See exactly where your money goes
Track every dollar with clear status indicators. Know at a glance what's paid, what's funded, and what still needs your attention.
- Due dates and frequencies tracked per category
- Click to assign funds directly from available balance
Expenses
Due
$1,200
Spent
$1,200
Assigned
$1,200
Available
$0
Due
$150
Spent
$0
Assigned
$150
Available
$150
Due
$400
Spent
$156
Assigned
$280
Available
$124
Due
$180
Spent
$0
Assigned
$50
Available
$50
Due
$200
Spent
$245
Assigned
$200
Available
-$45
Due
$120
Spent
$95
Assigned
$60
Available
-$35
Build savings into every paycheck
Set savings goals and automatically allocate funds each pay period. Watch your progress grow steadily toward your financial dreams.
- Visual progress bars show how close you are to each goal
- Automatic calculation of how much to save per period
- Withdraw from savings or convert to expense when ready
Savings
Assigned
$340.00
Withdrawn
$0.00
Balance
$3,200.00
$3,200.00
Assigned
$340.00
Withdrawn
$0.00
Assigned
$150.00
Withdrawn
$200.00
Balance
$850.00
$850.00
Assigned
$150.00
Withdrawn
$200.00
Assigned
$400.00
Withdrawn
$0.00
Balance
$5,400.00
$5,400.00
Assigned
$400.00
Withdrawn
$0.00
Savings goals become spending categories
When you've saved enough for that big purchase, seamlessly convert your savings goal into a one-time expense category. Your money moves with you, ready to spend when you are.
- One-click conversion when your goal is reached
- Your saved amount becomes your spending budget
- Track the purchase transaction in the new category
Savings Goals
2 goalsAssigned
$340
Withdrawn
$0
Balance
$3,200
Assigned
$1,500
Withdrawn
$0
Balance
$1,500
Budget Categories
2 categoriesDue
$400
Assigned
$280
Available
$124
Due
$1,500
Assigned
$1,500
Available
$1,500
Categorize transactions effortlessly
Imported transactions are highlighted when they need attention. Quickly assign categories with a single click to keep your budget accurate.
- Uncategorized transactions are highlighted for quick action
- Color-coded category chips for visual organization
- Income transactions clearly distinguished from expenses
Recent Transactions
5 transactionsConnect your banks securely
Link your bank accounts via Plaid for automatic transaction imports. Map external accounts to your Alto accounts for seamless tracking.
- Bank-level security with Plaid's trusted connection
- Credit cards shown as real debt, not available money
- Automatic daily sync keeps your data fresh
Connected Banks
Last synced: 2 hours ago
Last synced: 3 hours ago
Crush credit card debt strategically
See the real cost of credit card interest and plan your payoff. Our amortization calculator shows exactly how extra payments accelerate your debt-free date.
- Track credit cards as real debt, not available funds
- Compare minimum vs. accelerated payoff scenarios
- Month-by-month breakdown of principal vs. interest
Travel Rewards Card
22.99% APRCurrent Balance
$4,250.00
$4,250.00 of $8,000.00 limit
Payoff Timeline
Minimum Payment
$85.00/mo
167 months
14 years
With Extra Payment
$200.00/mo
28 months
Save 139 months!
Amortization Schedule
See exactly where your payments go