Money works better when you work on it together.
Prospair is a living zero-based budget for couples. Plan every expected dollar, grow lasting sinking funds, and make the next money decision from the same page.
Both partners see the same living plan
Plaid powers read-only transaction history
Changes stay reviewable and traceable
The budget should match real life
Stop rebuilding your money every thirty days.
A month is useful for planning. It should not be a wall that erases fund balances, hides late transactions, or makes yesterday’s approval untrustworthy.
A calmer way to begin
Start with your actual story—not a blank spreadsheet.
Your history becomes useful context, never an excuse for the app to make irreversible choices for you.
Bring the history you already have
Import a YNAB export or bank transactions. Prospair stages the history privately and recommends a starting structure for review.
Plan expected income before it arrives
Add the paychecks you expect, then give every dollar a purpose together before the month gets busy.
Adjust the living plan—not a snapshot
Real transactions update real fund balances. Late activity, reimbursements, and changing priorities remain traceable.
Less budget maintenance. Better money conversations.
The hands-on living budget stays free. Plus pays for automatic Plaid updates and an AI budget guide that can study patterns without making decisions behind your back.
- Automatic bank transaction updates
- Questions grounded in prior months and the same season last year
- Expected-paycheck and recurring-cost guidance
- One subscription for the household—not a fee for each spouse
Clear answers before you begin
Questions couples ask us
How is Prospair different from a monthly budgeting app?
Prospair treats each budget category as a living fund with its own balance and history. Money carries forward naturally, so a new calendar month does not erase the progress you have already made.
What happens when a bank transaction posts after the month ends?
The transaction keeps its real activity date and updates the living ledger when it posts. Its effect flows into current availability rather than forcing you to reopen or replace an old monthly snapshot.
Can we plan paychecks before they arrive?
Yes. Expected income lets you plan the full month up front. When the real deposit posts, you review and match it so the plan and bank activity stay connected without double counting.
Can the budget guide move money on its own?
No. The guide explains patterns, answers questions, and prepares reviewable suggestions. It cannot quietly move money, connect a bank, or bypass the couple’s approval process.
Can Prospair move money from our bank accounts?
No. Bank connections are used to read account and transaction history for budgeting. Prospair does not initiate transfers or hold your money.
One plan. Two voices. Shared progress.
Build a budget that helps you feel like a team.
Start with the living budget for free. Add bank automation and the budget guide when they create enough value for your household.