Berm reads your bank's CSV export, works out which bills repeat, and projects your balance forward day by day. The overdraft shows up as a dip on a chart in week four instead of a fee in week five.
Free while Berm is in pre-launch. Setting up takes one sign-in, you can delete your account and everything in it whenever you like, and it works offline once installed.
today2 weeks4 weeks6 weeks8 weeks
Projected balance
Buffer, $400
Zero
5 days under, lowest −$218
Synthetic figures, projected the way the app projects them: a starting balance, an everyday rate, and the bills that repeat.
What it does
A balance you can read forward, not just backward.
Your bank shows you today. Today cannot tell you whether rent, the annual insurance bill and payday are about to land in the wrong order.
None of the typing
Every amount in your budget is chosen: offered from what your history already says, or set on a slider with a joystick to land it exactly. Payees come from your own transactions, categories from one fixed list, and your balance from your bank's export. Berm never asks you to type what it can work out for itself. What is left is what only you have — a password, an email address if you sign in with one, a search, and, if you plan to pay off a card, the figures on its statement, which you can paste.
It finds the bills you forgot
Berm looks through your history for anything on a schedule — rent, pay, subscriptions, insurance — and suggests each one. Nothing joins your projection until you say yes.
It gives you the damage, not just the date
The day the balance goes under, how long it stays there, how deep it gets, and which payments put it there.
It says what you can spend today
The most you can spend on an average day between now and your next paycheck without going under, next to the pace you are actually on.
It shows its working
A card tells you why it is near the top in a figure you can go and check — five merchants worth $412 have no envelope — rather than just saying something needs attention.
On your phone
Install it when you like.
Berm runs in a browser tab. Adding it to your home screen gives it an icon of its own, keeps it working with no signal, and gives it storage the browser will not clear — on iPhone and iPad, a tab's storage is wiped after seven days without opening it.
Your data comes with you
An installed app starts with storage of its own, separate from the browser tab's, so it opens empty. Sign in there and your data comes back from the encrypted copy in your account.
Then it works with no signal
The whole app is on the device. Projections, charts and importing all run with the network off, because none of them ever needed it.
Free, while we work out what it should be.
No trial that ends, no card, nothing to cancel. It takes one CSV to find out — and if you would rather look first, that is what the app opens on: the sample, six months of a made-up history, with no account and nothing saved.