One simple loop you repeat, and a panel of instruments built around it. Fifteen minutes to set up, a few seconds a day to fly.
Checking, savings, credit cards, cash — just today’s balances, never your bank login. Five minutes in, you see something most people never see: everything you have, in one place, as one number. That’s your starting position. And if a credit card already carries debt, Climb sets up a payoff journey for it automatically.
Take that number and give it direction: rent, groceries, debt, savings, fun — until “available to budget” reads zero. This is the moment your money starts working for you instead of just passing through: you’re funding the life you actually want, on purpose, ahead of time.
Two taps on a preset, type the amount, done — even with zero signal. And when life doesn’t go to plan — it never does — you just move money between envelopes and keep flying. No guilt, no starting over. Life happens; your budget happens with it.
Import your bank statement (CSV) and Climb matches it against your logbook, learns your bank’s weird payee names, and flags anything that doesn’t line up. Ten minutes a month, and you never have to wonder whether the numbers are real — they are.
Keep the loop going and the leftovers become your runway — money set aside until next month is fully funded before it even begins. The surprises that used to rattle you just pass underneath.
Climb isn't a tighter grip on your money.
It's a life above the turbulence.
Climb is a small set of instruments, not a maze of features. You'll fly with the first two every day; the rest are there when you want them.
The primary display. Your envelopes for the month: budgeted, spent, remaining — and the one number that matters, “available to budget.”
Every transaction, searchable and filterable, with notes, tags, splits, and transfers. Reconciliation lives here too.
Net worth over time, spending breakdowns you can drill into, and where every dollar of income actually flowed.
The long game: off-budget accounts (loans, investments, property), project plans like “the bathroom remodel,” and notes that tell the story behind the numbers.
Design your default month once — “when income lands, this is how it splits” — then fill a real month with it in one click.
Waypoints (an emergency fund, a paid-off card) tracked against real balances — and Flight Plan for sketching the far horizon: debt freedom, retirement.
Climb installs straight from your browser — no app store in between. On your phone it lives on the home screen, opens full-screen, and works completely offline; on your laptop it's a tab or an installed window. One account keeps every device in sync, usually within a couple of seconds.
Open Climb in Safari → tap Share → Add to Home Screen. Done.
Open Climb in Chrome → tap Install when prompted (or Menu → Add to Home screen).
Why no app store? Because Climb doesn't need one — you get every update the moment it ships, it works on every platform from day one, and no thirty-percent toll gets added to your five dollars. More in the FAQ.
Set up takes about fifteen minutes. The first 30 days are free, no card required.
Start your 30-day trial →