Now in private beta

Your money, before it happens.

Cusp looks days and weeks ahead of your balance, so you see what's coming instead of finding out the morning of.

Good morning, Jordan.

Wednesday, July 24 · Here's your financial picture.

Clear

You're on track for the next 30 days.

Lowest in the next 30 days

$1,840 · Aug 12

Your projected balance stays comfortably above your safety buffer through August 23.

Based on balances updated Jul 24

Current balance

$2,740

Across active included accounts.

Safe to Spend

$1,340

Protects your plan through Aug 23.

Safety buffer

Intact

$750 protected

Adjust

Next important event

Harbor View Apartments Rent

Aug 4 · −$1,650

Cash-flow runway

The moments shaping your next 30 days

Today opens$2,740Jul 24
Next billRentAug 4
Lowest point$1,840Aug 12
Recovers$2,950Aug 20

A different kind of money view

Review the past. Plan the next move.

←

Traditional finance apps

Looking back

Most tools organize what already happened. Useful for review, but they can’t tell you if Friday will be tight.

Reports money already spent
Categories instead of timing
“$200 spent on dining last month”

The state system

Know when you're
clear
— and when that changes.

Cusp watches your forecast continuously and tells you which of three states you're in, in plain language, before it becomes a surprise.

See how it decides →

Clear

You're on track for the next 30 days.

Your projected balance stays comfortably above your safety buffer through the end of this forecast.

One real forecast

See the pressure before it arrives.

What happens, why it happens, and the exact day behind it — one forecast, inspected three ways.

Your 30-day forecast

Tight · Below buffer
ForecastTodaySafety buffer
Projected low$369 · Aug 15

One forecast. Three ways to inspect it.

What your forecast already knows

The work happens quietly.
The assumptions stay visible.

Cusp finds the shape in your activity, then makes every useful assumption available for you to inspect.

Recognizes

Repeated activity becomes something useful.

Cusp groups repeated transactions, checks timing and amount, and asks you to confirm before anything enters the forecast.

Activity found

Parkview Rent

Monthly pattern
May 1 · Parkview Rent−$1,650
Jun 1 · Parkview Rent−$1,650

Rent · next Aug 1

Stable amount and timing

Confirmed

−$1,650

Matches

The same money is not counted twice.

Money moved between your own accounts is linked instead of being counted as new income or a second expense.

Everyday checking · Jul 12

Payment to Northstar Visa

−$190

Northstar Visa · Jul 13

Payment received

+$190

Strong match · linked as a transfer

Projects

Purchases explain spending. The due date explains cash.

Cusp places one estimated card payment on checking rather than projecting every card purchase independently.

Market Basket

−$60

Trader Joe's

−$30

Netflix

−$18

Estimated card payment

Due Sep 3 · based on charges so far

Estimated

−$340

Explains

Confirmed and estimated never look the same.

They are not equally certain, so they don't look equally certain. Evidence stays visible behind every number — what caused the forecast is always one click away.

Rent

6 occurrences · same amount

Confirmed

−$1,650

Electricity

6 occurrences · $84–$139

Estimated

~−$113

The forecast always shows which numbers are known and which still carry a range.

See all features

You don't discover the future. You arrive in it.

Before you spend

Test a purchase before your balance does.

A weekend trip. A new laptop. Enter it, and watch your baseline forecast shift into a new projected low — the actual financial picture with this purchase in it, not just a yes or no.

Your current plan

No extra purchase

Baseline
Baseline forecastWith this purchase

Projected low

$3,340

Aug 7

Safe to Spend

$2,840

after $500 buffer

Security

Start without handing over your bank login.

No bank connection required

Start with a CSV or enter your essentials manually. Bank connectivity may become an option later, but is not required to use Cusp.

You stay in control

Review information before it enters the forecast. Download or remove data at any time.

Evidence stays visible

Nothing enters the forecast as a silent guess. Confirmed and estimated items remain visibly distinct.

Pricing

Free during the private beta.

Explore the forecast and help shape Cusp at no cost. Pricing is published before any paid plan begins.

Now

Private beta

$0, use it free.

Before launch

Plans published

In advance of any change.

Your choice

Opt in, or not

When pricing begins.

Common questions

A few things to know.

Getting started

Forecasts and decisions

Credit cards and transactions

Security and privacy

Beta and billing

Early access

See it before it happens.

Join the beta and be among the first to see your tightest day before it gets here.

Private beta · shaped with early-user feedback