The foundation you need for a bright financial future

Turn your bank accounts into digital cash envelopes

All the benefits of cash envelopes, without the hassle of cash or envelopes!

  • Deposit your income into one account

  • Then organize your income in separate accounts based on how you plan to use it

  • Set money aside for bills

  • Take control of your spending

  • Save up for the things you want

  • Easily see how much you have and what it's for

Turn your credit cards into debit cards

Build credit and earn rewards, without the fear of slipping into debt.

  • Uploads your charges

  • Simply decide which account will pay for each charge

  • Continuously calculates how much money you still have available to spend

  • Keeps your spending on track

  • Your credit card payments are always covered

Why Defend Your Money?

Easier than a budget

No more complicated spreadsheets and endless categories.

Quicker than a budget

Once set up, it only takes about 20 minutes each month.

Sustainable - unlike a budget

Specifically designed to keep you going month after month.

Better than a budget


On the web and on your phone.

Coming Soon

Your security is our highest priority

We spare no expense in ensuring your data is safe and secure.

  • Our app was developed right here in the USA

  • We maintain the highest bank-level encryption standards

  • All information obtained is in a read-only format  

  • No one can use the app to move or access your money 

  • For additional information read our privacy and security policies

Everyone wants you to spend.  We're here to help you defend.

30-day free trial.  No payment information required.

After trial, billed at $5.99/month or $65.89/year.