Credit cards that behave like credit cards
Statement close dates, due dates, and a paying account, so card spending hits your cash when you actually pay it.
Cash flow forecasting for households
Know what you’ll have before payday comes.
Ampluent forecasts your cash day by day — paydays, bills, and credit card due dates — so you see tight stretches weeks before they hit, not after.
No bank connection needed. Your logins stay yours — enter it once, see the whole year.
Built for people whose bills don’t respect their paydays.
We’re in early access — join as a founding member and help shape the product.
Projected cash · Feb 1
+$1,362
01
Enter your paydays and bills once.
02
See the next 12 months, day by day.
03
Get warned before tight stretches hit.
The forecast
Built around how household money actually moves
Every paycheck, bill, and card statement lands on the day it really happens, so the forecast looks like your bank account will.
Low points you can see coming
Balances that dip below zero turn red against a zero line, so you spot a tight week long before it arrives.
Budget lines on any schedule
Daily, weekdays, weekends, weekly, every two weeks, twice a month, monthly, quarterly, or yearly. Each lands on the day it actually happens.
One-off events
A vacation, a bonus, a tax refund, a new car. Add it once and see exactly where it bends the line.
See tight stretches early
A short week shows up months ahead, with the date and the amount, instead of on the morning it happens.
Weigh a big decision first
Put a move, a car, a new job, or a new baby next to the plan you have now, and see where each path leads.
Side-by-side plans
Thinking about a change? See both paths before you choose.
Build a version of your plan with the change in it. Ampluent lines it up against the plan you have today, day by day for the next year and year by year for the next ten.
Next 12 months, day by day
As things areNew job + move in June
Next 10 years, year by year
| As things are | New job + move | |
|---|---|---|
| Lowest point | −$318 | −$1,727 |
| In 12 months | +$4,621 | +$7,471 |
| In 10 years | +$32,500 | +$112,900 |
Example household. The move comes out ahead by mid-September and about +$80,400 ahead after ten years. The catch is July 1–14: the new rent is due before the first new paycheck, and the balance runs short by up to −$1,727. Now it’s a gap to plan for, not a surprise.
Thirty seconds
Your first projection in thirty seconds
Three numbers give you a rough line. Ampluent turns it into a real forecast once you add your actual schedule.
Takes about 30 seconds. No signup needed.
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$
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Straight-line estimate. The real forecast places every paycheck, bill, and card payment on its day.
In 12 months
+$15,300
In 10 years
+$112,500
You’re adding +$900 a month.
Build the real forecastYour forecast
Know what next year looks like.
Enter today’s balances and see your first forecast in minutes. The first 14 days are free.
No credit card required. After 14 days, pick a plan to keep the forecast. Cancel before then and pay nothing.