Your paycheck changes. Your rent doesn't.
Overtime one week, none the next. Croft sets your paycheck at the lower end of what's actually landed, so a short week doesn't throw off your plan. And it checks in the background every night.
Three or four long shifts, different hours every week, and no energy left for math at the end of them.
14 days free, then less than 40¢ a day ($11.99 billed monthly). Card required. Cancel anytime.
What Croft does for you
Plans on the smaller paycheck
When your pay varies, Croft plans on the lower end of your recent paychecks, not the big weeks. You can change the amount anytime.
Checks in the background
Each night Croft looks over new bank activity for bills and pay that are new, changed or stopped, and leaves you a note when it finds one.
What's safe to pay, right now
One number for what can go to debt today without coming up short before payday. It updates whenever anything changes, not just on payday.
Questions people ask
What if my paycheck is different every time?
Croft looks at the paychecks that have landed in your checking and plans on the lower end of them, so the plan doesn't count on a big week. You can change the amount anytime.
How does Croft know what's safe to pay?
Croft lines up the bills and minimum payments coming out of your checking, keeps a cushion, and looks ahead day by day for the lowest your balance will get. Only money above that low point and the cushion counts as safe to put toward debt. It works this out again whenever your balances, bills or plan change.
Do I have to check the app every day?
No. Each night Croft looks over your new bank activity for bills and pay that are new, changed or stopped. When it finds one, it leaves you a note so you can review it.
Do I have to enter all my bills?
No. Once your checking is connected, Croft drafts your plan from it: the bills that repeat, your paychecks and your card and loan payments. You can review what it found and add or change anything.
Does Croft move my money?
No. Croft connects to your bank through Plaid to read balances and transactions. It can't move money out of your bank or make payments from your accounts. When Croft suggests a payment, you make it yourself at your bank or card issuer.
Is there a free trial?
Yes. Creating your account and setting up cost nothing. Your 14-day free trial starts when you add a card, just before your plan. After that, it's less than 40¢ a day: $11.99 billed monthly, or $89 a year.
You're not bad with money. You're busy.
14 days free, then less than 40¢ a day ($11.99 billed monthly). Card required. Cancel anytime.
New to Croft? Read what Croft is and how it handles your data.