Payday Mode
Turn each paycheck into a sequence of bills, reserves, minimums, cushion, and safe snowball.
Open appAI-native financial command center
NightCap Money
Put your money worries to bed. Calculate your next best money move using real paychecks, real bills, real debt, and real life.
Deterministic planner first
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External AI disabled by default
MVP foundation
Built for tight-money decisions, not passive tracking.
Least-resistance planning
When the ideal plan does not fit, protect essentials and show exactly what can wait.
Emergency fund pathfinder
Find the highest sustainable safety-cushion contribution without creating a shortfall.