How it works
Most budgets assume a salary: the same amount, on the same day, every month. Gig pay doesn't work that way — so Float budgets one payment at a time instead.
Set up how you want to split your pay — the share of each payment that goes to taxes, your cushion, debt, retirement, and what's yours to spend — and set your goals.
When a payment lands, enter it and see the split in dollars, computed from your percentages.
Move the money at your own bank, then confirm what you actually stowed away. Float tracks the plan against what you really moved and shows you the gap.
Export your reports — and start fresh any time.
A monthly budget breaks the first month your income doesn't match it. A percentage split can't break that way: a big month stows more, a thin month stows less, and the plan stays the same. You decide the shares once, and every payday becomes a five-minute routine instead of a recalculation.
Float's split methods decide what your money works on first. If you're carrying debt, one method points the split at clearing it; once it's cleared, you graduate to the next method and the same percentages start feeding your cushion and longer-term goals instead. Float tells you which payday clears the debt, fills the cushion, or starts retirement — so the finish line is a date, not a vibe.
Planning a split is easy. The honest step is confirming what you actually moved. Float asks you to close the loop on each payment, then shows you plan-versus-actual over time. That gap is the most useful number in the app — it tells you whether your percentages are realistic or wishful.
Not sure yet? The app's practice mode loads a finished demo you can explore with nothing at stake.
All figures are estimates; Float does not provide tax, legal, or financial advice.