Videos

Short videos on how BudgetMe Pro^™ works, how people use it, and the money basics behind it. App footage always shows an example budget with invented numbers.

How it works
Try it first
Money basics

How it works

What each part of BudgetMe Pro does.

BudgetMe Pro in 72 seconds 72 s

Every bill and paycheck on a calendar, so you see your balance on any date.

Transcript

Do you know what your balance will be the day before your next payday?

Your bank shows today’s balance. Not Thursday’s.

Rent, the car note, the light bill all land the week before payday.

Paid every two weeks, that’s about 13 paydays in the next six months. Every one of them is a guess. And one wrong guess can cost an overdraft fee or a late fee.

Now picture your next payday. You already know which bills it covers, and what’s left after them.

BudgetMe Pro™ is a tool to help you see and manage your cash flow, paycheck by paycheck. It maps every bill and paycheck onto a calendar, so you see your balance on any date. Safe to spend, worked out to the day.

Two jobs? Add every paycheck. When one comes up short, the others can carry it.

Many budgeting apps charge by the month or by the year. BudgetMe Pro is free to start. Unlock the full app for $19.99, paid once. Less than one average overdraft fee.

Your next payday is already on the way. Make it the first one you plan instead of guess.

30-day refund, no questions asked. Start free or get the full app now at budgetme.pro.

On screen:
Actual app footage. Example budget with invented numbers.
Free version available. Full app $19.99 one time, plus applicable tax. 30-day refund.
Licence key required for the full app. Not financial advice. AI voiceover.
*Average overdraft fee in 2025 (Bankrate). Average credit card late fee in 2025 (WalletHub).
© 2026 Phoenix Milcham, LLC.

BudgetMe Pro in 44 seconds 44 s

The quick version: what it does and what it costs.

Transcript

Do you know what your balance will be the day before your next payday?

Your bank shows today’s balance. Not Thursday’s.

Many budgeting apps charge by the month or by the year. BudgetMe Pro is free to start. Unlock the full app for $19.99, paid once. Less than one average overdraft fee.

30-day refund, no questions asked. Start free or get the full app now at budgetme.pro.

One price 22 s

Free to start. The full app is $19.99, paid once.

Transcript

Many budgeting apps charge by the month or by the year. BudgetMe Pro is free to start. Unlock the full app for $19.99, paid once. Less than one average overdraft fee.

30-day refund, no questions asked. Start free or get the full app now at budgetme.pro.

See it coming 24 s

See the day your balance would go below zero, before it happens.

Transcript

In 2025, the average overdraft fee was $26.77.

BudgetMe Pro™ shows you ahead of time the day your balance would go below zero.

So you have time to pass a bill this paycheck, or rebalance, before it happens.

Seeing it coming is free. Rebalance comes with the full app.

Start free at budgetme.pro.

Safe to spend 21 s

Know what’s safe to spend before payday, worked out to the day.

Transcript

Know what’s safe to spend before payday.

BudgetMe Pro™ is a tool to help you see and manage your cash flow, paycheck by paycheck. It maps every bill and paycheck onto a calendar, so you see your balance on any date.

Safe to spend, worked out to the day.

Start free at budgetme.pro.

Short paycheck 21 s

Rebalance shows which bills to pay early, so every paycheck carries itself. Full app.

Transcript

One paycheck covers rent. The next one comes up short.

Rebalance shows which bills to pay early and how much to hold back, so every paycheck carries itself.

Lock the plan into your calendar.

Rebalance comes with the full app. $19.99, paid once, at budgetme.pro.

Pay it or pass it 16 s

Every bill due before your next paycheck, with grace windows and late-fee labels.

Transcript

Before your next paycheck, see every bill that’s due.

Tick a bill paid, or pass it this paycheck.

Grace windows and late-fee labels sit right on your bills.

Start free at budgetme.pro.

Save on purpose 20 s

Set a goal, pay yourself first, and see the date you’ll reach it. Full app.

Transcript

Picked up a side job to get ahead?

Set a goal, pay yourself first from a paycheck or side income, and see the date you’ll reach it.

Even an emergency fund, sized from your real bills.

Goals come with the full app. $19.99, paid once, at budgetme.pro.

No bank login 16 s

Your budget stays on your device, and you control it.

Transcript

Do you control your money, or do your bills?

No bank login. Your budget stays on your device, and you control it.

Add your paychecks and bills. Check your calendar.

Start free at budgetme.pro.

Your first 90 days 68 s

What to expect in your first three months, month by month.

Transcript

Setup takes a few minutes. Getting good at it takes about 3 months.

Here’s why. BudgetMe Pro™ is only as accurate as what you put in, and some of your money only shows itself over time.

In 3 months, every monthly bill comes around 3 times. Every quarterly bill shows up once. And if you’re paid every two weeks, you see 6 or 7 paychecks.

Month 1: map it. Expect it to be messy. Bills you forgot will turn up. That’s the system working. Add it. Don’t start over.

Month 2: tune it. Use your spending patterns to fix the guesses. Find your tightest month, and what you could pause.

Month 3: trust it. Your payday balance should land close to what the app projected. That’s when safe to spend becomes a number you can act on.

5 minutes every payday. A few seconds each time you spend.

A University College London study found a new daily habit took a median of 66 days to become automatic.

Set it up tonight or on payday morning. The full guide is at budgetme.pro/start.

On screen:
Actual app footage. Example budget with invented numbers.
Free version available. Full app $19.99 one time, plus applicable tax. 30-day refund.
Licence key required for the full app. Not financial advice. AI voiceover.
Study: Lally et al., European Journal of Social Psychology, 2010.
© 2026 Phoenix Milcham, LLC.

Try it first

Portrayals of how the app is used, in everyday moments.

Before I signed for the car 32 s

Testing a new car payment in In & out before signing.

Transcript

Before I signed for my new car, I did one thing first.

I put the new payment and its due date in In & out.

Then I checked my calendar. The 60-day chart showed what my balance would do, every day, with that payment in it.

In & out showed me what my cash flow would be month to month, with the new payment included.

With the full app, Forecast showed me the next six months, so I could see my tightest month before it came.

Test the payment before you sign.

Start free at budgetme.pro.

On screen:
Portrayal of how the app is used.
Actual app footage, example budget with invented numbers.
Free version available. Full app $19.99 one time, plus applicable tax. 30-day refund.
Licence key required for the full app. Not financial advice. AI voiceover.
© 2026 Phoenix Milcham, LLC.

The rent went up 16 s

One number changed, and the calendar showed the days that would get tight.

Transcript

My rent just went up.

I changed one number in In & out.

My calendar, safe to spend and the 60-day chart updated right away, so I could see the days that would get tight.

Start free at budgetme.pro.

The once-a-year bill 24 s

Yearly bills, added once, on the right date every year.

Transcript

Car insurance. The registration renewal. That yearly membership.

Bills I only pay once a year are easy to forget, until they land.

I added them once, set them to yearly, and now they show up on the right date, every year.

With the full app, Forecast shows me the month they make tight.

Start free at budgetme.pro.

The three-paycheck month 19 s

Seeing which months bring a third paycheck, months ahead.

Transcript

This January, I get three paychecks.

In & out on budgetme.pro showed me which months bring a third, counted from my real paydays.

I saw it coming months ahead, so I decided where it goes before it lands.

Start free at budgetme.pro.

Picked up a second job 20 s

A second paycheck, added on its own schedule.

Transcript

I picked up a second job.

I added its paycheck in In & out on budgetme.pro, on its own schedule.

My calendar shows both paychecks on their real dates, and the 60-day chart moved up.

With the full app, I can send part of it to a goal.

Start free at budgetme.pro.

The car repair surprise 24 s

A surprise bill, and which other bills had room.

Transcript

My car needed a repair I didn’t see coming.

I added it as a one-time bill on budgetme.pro, on the day I’d pay it.

Then I looked at what else was due before payday.

Some of my bills have a real grace window. Others charge a late fee right away.

So I could see which bills had room, before I decided.

Start free at budgetme.pro.

A payment arrangement 20 s

A light bill payment plan, ticked off one payment at a time.

Transcript

I got behind on my light bill, so I set up a payment arrangement.

With the full app on budgetme.pro, I added each payment, with its own date and amount.

Each one lands on my calendar, and I tick them off one at a time.

In & out shows what’s left to pay.

Start free at budgetme.pro.

Cutting a subscription 18 s

Pausing a bill in the app to see what it frees up. The app doesn’t pause or cancel anything with the provider.

Transcript

I wasn’t using one of my subscriptions.

Before I canceled it, I paused it in the app.

In & out on budgetme.pro showed me what that frees up each month.

With the full app, Forecast lists what else I could pause.

Start free at budgetme.pro.

On screen:
Portrayal of how the app is used.
Actual app footage, example budget with invented numbers.
Pausing a bill in BudgetMe Pro removes it from your budget’s calculations only. It does not pause or cancel the service with the provider.
Free version available. Full app $19.99 one time, plus applicable tax. 30-day refund.
Licence key required for the full app. Not financial advice. AI voiceover.
© 2026 Phoenix Milcham, LLC.

Money basics

How banking works, from pending charges to overdraft fees. Educational, not financial advice.

Available balance vs. current balance 40 s

Why your bank shows two balances.

Transcript

Your bank shows two balances. They’re not always the same number.

Your current balance, sometimes called the ledger balance, doesn’t subtract purchases that are still pending.

Your available balance is what you can use right now. It subtracts pending card purchases, and holds on deposits that haven’t cleared.

Buy $40 of gas this morning, and your available balance drops right away. Your current balance drops when the charge posts.

Don’t assume a deposit is available the moment you make it. Ask when the hold lifts.

BudgetMe Pro™ starts from the balance you enter, and shows what it will be on every date ahead.

Start free at budgetme.pro.

On screen:
Actual app footage. Example budget with invented numbers.
Educational content, not financial advice. Rules vary by bank, lender and state.
Sources: CFPB Circular 2022-06; CFPB, Managing your checking account.
Free version available. Full app $19.99 one time, plus applicable tax. 30-day refund.
Licence key required for the full app. Not financial advice. AI voiceover.
© 2026 Phoenix Milcham, LLC.

Pending transactions and holds 35 s

What pending means, and why pending charges count.

Transcript

Pending means a purchase is approved, but it hasn’t settled yet.

It already lowers your available balance, even though your current balance hasn’t changed.

Settling can take a few days. In a CFPB example, a card purchase approved on day one settles on day three.

And payments don’t always post in the order you made them.

Some banks charge overdraft fees based on your available balance, so pending charges count.

BudgetMe Pro™ lets you update your balance whenever you like, so your calendar starts from what’s really there.

Start free at budgetme.pro.

How long deposits take 43 s

When payday money and checks are actually there to use.

Transcript

Payday says the money’s in. When can you actually use it?

A direct deposit must be available the next business day after the bank receives it, and many banks make payroll available right away.

Some banks release pay up to two business days early, depending on when your employer sends it. It isn’t guaranteed.

Checks are different. The first $275 is generally available the next business day, and the rest can take longer.

New accounts, very large deposits and repeated overdrafts can mean longer holds.

BudgetMe Pro™ lets you set how early each paycheck lands, so your calendar matches when the money is really there.

Start free at budgetme.pro.

On screen:
Actual app footage. Example budget with invented numbers.
Educational content, not financial advice. Rules vary by bank, lender and state.
Sources: CFPB, direct deposit and deposit holds Q&A; Regulation CC threshold adjustments, effective July 1, 2025; Security Plus FCU, early payroll.
Free version available. Full app $19.99 one time, plus applicable tax. 30-day refund.
Licence key required for the full app. Not financial advice. AI voiceover.
© 2026 Phoenix Milcham, LLC.

Overdraft vs. NSF fees 53 s

What happens when your account comes up short.

Transcript

Your account comes up short. What happens next depends on your bank, and what you agreed to.

If the bank pays the transaction anyway, that’s an overdraft, and it can charge an overdraft fee.

If the bank declines or returns it, it can charge a non-sufficient funds fee, often the same amount. The merchant may charge a returned item fee too.

For ATM withdrawals and one-time debit card purchases, banks can’t charge an overdraft fee unless you opt in. Checks and recurring payments are different.

Some banks let you link a savings account to cover a shortfall. There’s usually a fee, but it’s usually much lower than an overdraft fee.

In 2025, the average overdraft fee was $26.77.

BudgetMe Pro™ shows the date your balance is projected to go below zero, before it happens.

Start free at budgetme.pro.

On screen:
Actual app footage. Example budget with invented numbers.
Educational content, not financial advice. Rules vary by bank, lender and state.
Sources: CFPB, What is an overdraft fee?; CFPB, Managing your checking account. *Average overdraft fee in 2025 (Bankrate).
Free version available. Full app $19.99 one time, plus applicable tax. 30-day refund.
Licence key required for the full app. Not financial advice. AI voiceover.
© 2026 Phoenix Milcham, LLC.

Grace periods vs. late fees 34 s

A due date and a late fee aren’t always the same day.

Transcript

A due date and a late fee aren’t always the same day.

Some bills give you a few days after the due date before a late fee. Others charge it right away.

Your mortgage statement has to show the late fee, and the date it will be charged.

A credit card payment counts as on time if it arrives by the cutoff on the due date, and that cutoff can’t be earlier than 5 p.m.

For rent, it depends on your lease and the law where you live. Check your lease.

Grace windows and late-fee labels sit right on your bills.

Start free at budgetme.pro.

On screen:
Actual app footage. Example budget with invented numbers.
Educational content, not financial advice. Rules vary by bank, lender and state.
Sources: Regulation Z §1026.41 and §1026.10 (CFPB).
Free version available. Full app $19.99 one time, plus applicable tax. 30-day refund.
Licence key required for the full app. Not financial advice. AI voiceover.
© 2026 Phoenix Milcham, LLC.

Every two weeks isn’t twice a month 34 s

26 paychecks vs. 24, and why averages mislead.

Transcript

Paid every two weeks, or twice a month? It sounds the same. It isn’t.

Twice a month is 24 paychecks a year.

Every two weeks is 26. 52 weeks, divided by two.

So most months bring two paychecks, and usually two months a year bring a third.

An average makes every month look the same. In a two-paycheck month, it counts money that isn’t there.

BudgetMe Pro™ never averages. It counts the actual paydays in each month.

Start free at budgetme.pro.

On screen:
Actual app footage. Example budget with invented numbers.
Educational content, not financial advice. Rules vary by bank, lender and state.
Free version available. Full app $19.99 one time, plus applicable tax. 30-day refund.
Licence key required for the full app. Not financial advice. AI voiceover.
© 2026 Phoenix Milcham, LLC.

Cash flow vs. budget 31 s

Under budget for the month, and still short on the 20th.

Transcript

A budget asks: how much can I spend this month?

Cash flow asks: will the money be there on the day the bill is due?

You can be under budget for the month, and still come up short on the 20th.

That happens when bills land before the paycheck that covers them.

BudgetMe Pro™ is a tool to help you see and manage your cash flow, paycheck by paycheck. It maps every bill and paycheck onto a calendar, so you see your balance on any date.

Start free at budgetme.pro.

Sinking funds 31 s

Setting a little aside each paycheck for bills you know are coming.

Transcript

Some bills aren’t surprises. They just don’t come every month.

Car insurance. The registration. Holiday gifts. School supplies.

A sinking fund is money you set aside a little at a time, for a cost you know is coming.

Divide the cost by the paychecks between now and the due date. A $400 bill, eight paychecks away, is $50 a paycheck.

With the full app, Goals does the math, and shows the date you’ll get there.

Start free at budgetme.pro.

Need help? Email [email protected].