Built for the person who has been surprised before.
Berm started as one person's answer to a question their bank could not answer: not what did I spend, but am I going to be short, and when.
The name
A berm is the bank of earth between dry ground and the water it holds back. The app is the same shape: the cushion you keep is the earthwork, the low point of your pay cycle is the water, and every question it answers is really about which side of it you are on.
Your history does not expire
Every version of Berm can open a file written by every earlier version, back to the first one. That sounds like housekeeping and it is not: the file is often the only copy of somebody's financial history, it can be years old, and there is nobody who can go and repair it for you. Whatever opens it has to cope with what is in it, because the alternative is telling a person their records are gone.
Where it is going
Berm works from the CSV your bank already lets you download: there is no bank login to hand over, and nothing is read from your accounts that you did not choose to give it. A bank connection may come later for people who would rather not export a file — as an option, most likely a small paid one, and never something Berm needs. None of that exists yet. There is more on working without a bank login.
Berm is in pre-launch and free to use while the rest is worked out. There is no trial that expires and nothing to cancel, and what it costs afterwards has not been decided. If you are using it now, you are the reason that answer is still open — tell us what it is missing.
Who makes it
Berm is made by BERM LLC. It is a budgeting tool — not a bank, not a broker, not a lender, and not financial advice. It holds no deposits and moves no money.