Budget • Save • Grow
A plan for every dollar of your pay, with the reason in plain words. Then the tools to follow it: your net worth, your spending, your goals, your debts and your yearly 401(k), HSA and IRA limits. In plain words, with your own numbers.
Free to use. No bank connection needed. Get an email when it's out.
Example plan
Your plan for October
Take-home pay $4,600
School taught you algebra, not a 401(k). Then the paychecks start, and so does the alphabet: 401(k), HSA, IRA, W-4, APR. Everyone seems to know what comes first. Maxuvo is the patient older cousin who walks you through it with your own numbers, one month at a time.
How it works
Your take-home pay, your employer's benefits, what you spend in a month, your debts and the accounts you already have. Type it in or read it from a screenshot.
It starts from what lands in your bank, sets aside your spending and debt payments, and splits what's left: a steady dollar amount for each account, in a sensible order, with the reason beside every line. For your 401(k) and HSA it gives you the percentage to set with payroll.
You make each transfer yourself and mark it done. Maxuvo tracks your balances, your yearly limits and your net worth, and a new plan is ready next month.
The order
There is a well-worn order for putting money to work in the United States. Maxuvo follows it with your numbers and this year's published limits, so you always know what comes next and why.
Maxuvo suggests types of account and an order, never particular investments.
Features
One plan each month, and the tools to follow it, in one calm place.
“Where should this month’s pay go?”
“$625 to your Roth IRA, because your emergency fund is full and you’re on pace for the yearly limit.” Every line explains itself with your own numbers, and a short lesson is one tap away.
“Am I actually getting ahead?”
Everything you own and owe in one list: savings, retirement, investments, cards and loans, even an account in another currency. Watch the total grow month by month.
“Where did it all go?”
What came in, what went out, and how your spending compares with the figure your plan uses. Fixed and flexible costs, money you send to family, and every category. Import a CSV from your bank, read a screenshot or add by hand.
“How do I get there by June?”
A car, a wedding, a deposit, a trip home. Set a target and a date, the plan makes room for it each month, and you see how far you’ve come.
“Which debt do I pay first?”
Add your cards and loans with their rate and minimum. Every minimum is covered, then extra goes to the highest rate first, right after your employer match, with the reason spelled out.
“Am I leaving tax breaks behind?”
What you’ve put in this year against each limit, a steady monthly pace to reach it by December, and whether a Roth IRA is open to you at your income.
“What even is an HSA?”
Bite-sized cards on how each account works, in sections from “Start here” to investing, written for people new to the US system, with links to the official sources.
“Do I have to type all this?”
Snap a pay stub, a statement or a list of transactions and Maxuvo fills in the figures for you to check. The image isn’t kept. Premium
A look inside
Screens from the app, filled in with example numbers.
Your monthly plan
Net worth tracking
Spending insights
Yearly limits
Lessons in plain words
Made for you
You don't need to know the rules or have a lot saved. Maxuvo starts from your numbers today and shows the next sensible step, whatever stage you're at.
Privacy and security
Maxuvo shows you a plan. You stay in charge of every dollar.
You type figures in, import a file or read a screenshot. We never ask for bank passwords.
Maxuvo doesn't hold funds, place trades or make transfers. You do, when you're ready.
No Social Security number, ITIN, passport or visa number. We don't want them.
Face ID or fingerprint to open, encryption for sensitive data, and a key tied to your device.
We don't sell your information or share it for advertising.
Export everything, or delete your account, from Settings at any time.
Pricing
Learning, warnings and your own data are never behind a paywall.
$0
Everything you need to follow the plan.
$7.99/month or $59.99/year
For people who want Maxuvo to do more of the typing and thinking.
Subscriptions will be billed through the App Store or Google Play.
No. Maxuvo is general education and planning. It explains common rules and a common order for using accounts, based on what you enter. It doesn't know everything about your situation, and it doesn't recommend particular investments. For big decisions, consider a qualified professional.
No, and you can't. Maxuvo doesn't connect to banks. You type your figures in, import a CSV file from your bank, or read them from a screenshot, and you check every number before it's saved.
Never. Maxuvo tells you how much could go to each account this month. You make the transfers yourself, wherever you bank, and mark them done.
Anyone 18 or older who lives and earns in the US and wants a clear plan for their money, from a first job to a growing family. You don't need to know any of the jargon to start.
Maxuvo's plan always covers every minimum payment. After your employer match, extra money goes to debts charging 8% or more, highest rate first, because that interest usually costs more than savings can earn. Each line says why.
Yes. Add them by hand with their currency, and Maxuvo shows them in dollars beside the rest. It also explains the reporting rules that can apply to accounts abroad.
Both. Maxuvo is coming soon to the App Store and Google Play.
Maxuvo is coming soon to iPhone and Android.
Questions in the meantime? Write to hello@maxuvo.com.