For high earners who aren’t rich yet.
See where your money is going — and where it’s taking you. Net worth, cash-flow projection and a plan for your bonus, RSUs or commission. No bank login, ever.
Six figures in, paycheck-to-paycheck out.
Spreadsheets break at the first bonus; budgeting apps want your bank password.
How it works
Useful on day one, more accurate every month.
Step 1
Estimate in 5 minutes
Answer six questions about your pay, accounts and plans. You see a 12-month projection right away, before importing anything.
Step 2
Tighten with your statements
Import CSV, OFX or PDF exports from your bank’s website, or screenshots on iPhone. You review every row before it counts.
Step 3
Decide every month
A short month-end review with three decisions: what changed, what’s coming, and what to do with the difference.
Built for lumpy income
A plan that knows how you’re actually paid.
W-2 with bonus
Plan the bonus before it lands: what withholding leaves you, and where each dollar should go.
Base + commission
Live on your base, plan on your average, and see the range when a quarter runs hot or cold.
Salary + RSUs
Every vest on your timeline, net of sell-to-cover, and what it does to the year ahead.
Self-employed
Know what to set aside for quarterly taxes and what’s actually yours to spend.
Your statements, your phone.
We never ask for bank credentials. Screenshots are read on your device. Raw files auto-delete in 7 days. Delete everything in one tap.
What we store, what we never seeWhat you’ll see
Answers, not dashboards.
A note from the founder
Write the first sentence: who you are and what you do. Write the second: the money question you couldn't answer with a spreadsheet or a budgeting app. Write the third: why Headroom never asks for a bank login. Write the fourth: what beta testers get and how you'll use their feedback.
Founder name
Founder, Headroom
I’m building this in public — follow alongJoin the beta waitlist.
Three quick questions. They decide who gets invited first, so the beta fits how you’re paid.
Questions
Is this a budgeting app?
No. There are no envelopes to fill or categories to police. Headroom shows where you are, where you’re heading, and what to do with the lumpy parts of your income.
Do I have to enter every transaction?
No. You start with an estimate, then import statements when you want more accuracy, and quick-log small things on your phone.
Does it link to my bank?
Never. Headroom doesn’t ask for bank credentials and doesn’t use bank-sync services. You bring the data you choose to share.
iPhone and web?
Both, on one account. Android comes later.
What does it cost?
Free during the beta. Pro is planned at $89.99 a year.
When can I use it?
Beta invites go out in waves. Join the waitlist and we’ll email you when yours is ready. Three confirmed referrals move you to a priority invite.