Hey Product Hunt! I'm Edward, founder of Allocate. I built this because no budgeting app could handle my financial situation well. I worked at Google, then Amazon — and every paycheck came with layers: base salary, RSU vesting schedules, 401k with mega backdoor Roth, ESPP purchase windows, bonuses hitting at random times. I tried Mint, YNAB, Monarch, spreadsheets. None of them understood that my "income" wasn't one number. None of them could tell me what my next RSU vest would net after taxes, or whether I was on track for the 401k contribution limit, or how a car payment would actually fit into my real budget. So I started building Allocate for myself. It started as a simple budgeting app, but it kept growing because my finances grew more complex than any tool could handle. My finances were more than just numbers, they contained context that told a story, and no app understood that. After building for months Allocate is a full financial ecosystem — Integrated with Plaid, AI sets up your budget in under a minute, tracks spending, syncs all your bank accounts, and then scales into RSU tracking, 401k projections, net worth, debt payoff, savings goals, and an AI assistant that actually knows what you're working towards. The core idea: start simple, grow into complexity only when you need it. Not everyone needs RSU tracking on day one. But when your first vest hits, the tool is already there. We just finished a successful 2 month beta round, and are now going into full production. For anyone that aligns with the idea, I would love your feedback — what's the first thing you'd want a budgeting app to understand about your pay? Start free with Allocate AI: https://allocateai.io/login?prom...

Forum Threads

p/allocate-ai

•

3mo ago

What if your budget understood the "why" behind your spending?

Most budgeting apps tell you what you spent. That's it. $47 at a restaurant. $200 on groceries. Cool you already knew that.

But what if your budget understood context? Not just what you spent, but why you're spending more this month. Where your money should be going based on your actual goals. How to adjust when your RSU vest hits or your car insurance renews.

View all

Allocate AI

Your paycheck is complex. Your budgeting app shouldn't be.

Your paycheck is complex. Your budgeting app shouldn't be.

Forum Threads

What if your budget understood the "why" behind your spending?

Forum Threads

What if your budget understood the "why" behind your spending?