01
Decide What’s Safe Today
See a daily, weekly, and monthly safe-to-spend view that responds as eligible connected transactions arrive.
Know Exactly How Much
You Can Spend Today
Granite turns your income, bills, savings, and connected spending into one clear daily budget—then helps you see what's coming before it affects the rest of your month.
Download the Granite app
- iOS, Android, web, and Apple Watch
- Secure bank-connected updates
- Widgets and meaningful alerts
- Built for the US and Canada
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July budget$301.97 left
Your Budget Keeps Working,
Even When You're Not Looking
Granite updates your safe-to-spend view as connected transactions arrive, watches upcoming expenses and cash flow, and brings the most useful number to the places you already check.
Available on iOS, Android, and web
Download Granite Finance from the App Store or Google Play, or create an account on the web to start your daily budget.
Scan to download
Check today, this week, and this month at a glance
Look ahead to upcoming bills, payday, and lower-balance days
Stay informed with widgets, Apple Watch, and budget-change alerts
how it works
Get Your Daily Budget
In 4 Simple Steps
Connect the pieces of your monthly plan once, then let Granite show what is safe to spend today.
01
Add Your Income
Tell Granite what reliably comes in each month.
Net income
$5,678.00
02
Add Bills & Subscriptions
Account for recurring obligations before daily spending starts.
Monthly bills
Rent
Monthly
$1,789.00
Utilities
Monthly
$350.00
Internet
Monthly
$50.00
03
Add Investments & Savings
Protect the amounts you plan to save or invest before setting everyday spending room.
Savings plan
Personal Savings
Monthly
$400.00
Emergency Fund
Monthly
$250.00
Vacation Savings
Monthly
$750.00
04
Connect Spending Accounts
Link checking accounts and cards so your budget can respond as new activity arrives.
Connected accounts
Checking
Balance updates
•••• 4821
Set the plan once. Let Granite turn it into a number you can use every day.
Download the Appfeatures
Clarity for Today.
Context for What's Next.
Granite combines daily budgeting, upcoming expenses, cash-flow forecasting, and guided insights without turning your finances into another spreadsheet to maintain.
Spending by category
Illustrative example
Hover or tap a category to explore the example.
02
Look Ahead Before You Spend
Use what-if planning to understand how a purchase today could change the rest of your week or month.
03
See What’s Coming Next
Preview 30-day cash flow, upcoming expenses, expected deposits, and potential low-balance days before they surprise you.
04
Understand the Story
Use clear charts and AI-assisted insights to explore spending pace, recurring costs, categories, and monthly patterns.
05
Stay Informed at a Glance
Check Granite from home-screen widgets and Apple Watch, and optionally receive a push alert when your daily budget changes significantly.
06
Use Granite in Supported AI Assistants
With your authorization, Granite’s scoped MCP connection lets supported assistants answer eligible questions using your Granite financial context.
Compare budgeting approaches
The best budget is the one you can use every day
Some apps organize every dollar. Others help manage subscriptions or your full financial life. Granite is built around a more immediate question: what can I safely spend today?
ProductBest fitBudgeting styleAnnual cost3-year cost
Granite
Our approachOne clear daily number
Best fit
A clear amount you can safely spend today
Budgeting style
Daily guidance that adjusts with your plan and spending
Annual cost
$47.99
3-year cost
$143.97
Budget Bestie
Best fit
Digital cash stuffing and envelope budgeting
Budgeting style
Fund spending envelopes around your personal pay schedule
Annual cost
$49.99–$69.99 est.
3-year cost
$149.97–$209.97 est.
Rocket Money
Best fit
Broad money management and subscription tools
Budgeting style
Tracking, subscriptions, bills, and financial overview
Annual cost
$84–$168 est.
3-year cost
$252–$504 est.
YNAB
Best fit
Hands-on, zero-based budgeting
Budgeting style
Give every dollar a job and actively maintain the plan
Annual cost
$109
3-year cost
$327
Monarch Core
Best fit
Household planning and a broad financial picture
Budgeting style
Budgeting, net worth, goals, and custom reporting
Annual cost
$99.99
3-year cost
$299.97
Prices shown in USD and checked July 12, 2026. Annual estimates use the standard annual plan where published; Rocket Money reflects its published $7–$14 monthly range. Budget Bestie reflects the annual subscription prices currently listed in the US App Store. Taxes, promotions, legacy plans, app-store pricing, and plan changes can affect actual cost.
Download Granite →security & privacy
Built for sensitive financial workflows
Financial context deserves deliberate protection—from bank connection through mobile access and optional assistant integrations.
Read the privacy policySecure bank connections
Granite uses secure connection infrastructure to access transaction data without storing bank login credentials.
Face ID and device security
Supported mobile devices can use Face ID or device biometrics for a faster, more private return to Granite.
Scoped AI connections
Assistant access requires authorization and eligible scopes. Connecting an assistant does not make your Granite data public.
Privacy and deletion controls
Granite does not sell personal information, and users can request account deletion and offboarding when they no longer need the service.
testimonials
Don't Just Take Our
Word For It
See why people who bounced off complex budgeting systems use one clear daily number to stay aware of their spending.
Most budgeting apps I never want to look at because it's overwhelming but Granite is so simple, and their visuals make it easy to understand how and where I am spending my money.
– M. Cook
Granite solves an issue that I think most budgeting apps neglect which is it incentives you to check it everyday. I have found with this new habit I am much more aware of bad spending habits I should fix.
– J. Washington
I have used many budgeting apps, but Granite is the first one that clearly shows how much money I can spend each day
– A. Fante
Granite Learn
Better money decisions start with clearer explanations
Find practical budgeting guides, answers when something looks unexpected, and future research designed to make financial patterns easier to understand.
Explore the Learn center6 min read
Getting started
What your daily budget means
One useful number for the decision in front of you—without turning your budget into a score, restriction, or daily chore.
Read guide6 min read
Troubleshooting
Why your daily budget changed
You spent some money—and your budget moved with you. Here’s how Granite helps you understand what changed and what remains available.
Read guide8 min read
Guides
Connected accounts and pending transactions
Follow a transaction from secure account connection through Plaid, Granite synchronization, pending activity, and your updated budget.
Read guideResearch shelf
In developmentThe Granite Budgeting Index
Future privacy-reviewed research into spending pace and budgeting behavior.
We’ll publish findings only when the data, privacy review, and methodology are strong enough to support them.
faq
Common Questions
About Granite App
Learn how Granite handles connected budgeting, forecasts, mobile access, notifications, and optional AI integrations.
01
How often is my budget updated?
01
How often is my budget updated?
Your budget updates as soon as we can pull transactions from your connected accounts, typically once a day. Sometimes it can be every 1-2 days depending on your bank.
02
Is my banking information secure?
02
Is my banking information secure?
Yes, Granite uses secure bank connection infrastructure and encryption to help protect your information.
03
Can I use Granite on web, iOS, and Android?
03
Can I use Granite on web, iOS, and Android?
Yes, Granite is available on the web, iOS, and Android. You can start on the web or download the mobile app from the App Store or Google Play.
04
Can I manually add or edit transactions?
04
Can I manually add or edit transactions?
Yes, you can manually add and edit transactions to keep your budget accurate.
05
How is my daily budget calculated?
05
How is my daily budget calculated?
Granite starts with your income, subtracts fixed expenses, savings, and investments, then spreads the remaining spendable amount across the month.
06
What is the 30-day cash flow forecast?
06
What is the 30-day cash flow forecast?
Granite shows a 30-day view of projected money moving in and out of your checking account, including recurring income and expenses, so you can spot tight days before they happen.
07
How does Granite help with payday planning?
07
How does Granite help with payday planning?
Granite uses your income timing, fixed expenses, savings, investments, and recent spending to show how your next paycheck affects the rest of the month.
08
Can I adjust my fixed expenses or income?
08
Can I adjust my fixed expenses or income?
Yes, you can update your fixed expenses and income at any time in your settings page.
09
I added my fixed expenses, but now I see them showing up again in my transactions. What should I do?
09
I added my fixed expenses, but now I see them showing up again in my transactions. What should I do?
Granite automatically subtracts fixed expenses you have entered, like rent, utilities, or subscriptions, from your daily budget. If you also see those payments in your bank transactions, mark them as ignored so they do not get double counted.
10
My daily budget suddenly jumped higher than expected. What's going on?
10
My daily budget suddenly jumped higher than expected. What's going on?
This usually happens if income was entered twice, for example once as your set income and once again from a connected bank deposit. Mark the duplicate transaction as ignored and your daily budget will return to normal.
11
Does Granite work internationally?
11
Does Granite work internationally?
Currently, Granite supports bank accounts in the US and Canada.
12
Does Granite offer widgets and an Apple Watch app?
12
Does Granite offer widgets and an Apple Watch app?
Yes. Granite can surface useful budget context through supported home-screen widgets and Apple Watch, so you can check your budget without opening the full app.
13
What are daily budget change alerts?
13
What are daily budget change alerts?
If you enable push notifications and budget change alerts, Granite can notify you when your daily budget moves by at least the percentage you choose. Alerts are designed to tell you when it may be worth reviewing your budget.
14
How does Granite use AI for financial insights?
14
How does Granite use AI for financial insights?
Granite can use AI-assisted explanations to help summarize eligible spending patterns and guided insights. Deterministic Granite calculations remain the source for budget and cash-flow values.
15
Can I connect Granite to an AI assistant?
15
Can I connect Granite to an AI assistant?
Granite provides a secure, scoped MCP connection for supported assistants. Access requires your authorization, and available questions depend on your subscription and enabled permissions.
16
Can I use Face ID to open Granite?
16
Can I use Face ID to open Granite?
On supported mobile devices, Granite can use Face ID or device biometrics to help you return to the app securely and conveniently.
Know what's safe today—and see what's coming next.
Download the App