Setsail

Personal finance autopilot

Stop budgeting on hard mode.

Set sail to calmer waters.

Setsail is a personal finance autopilot you can ask when you need to know where your money stands.

Ask Setsail what you can spend, what changed, or what needs attention. It keeps watch in the background, nudges you when something matters, and gives clear answers without making you manage another dashboard.

Join the waitlist See how Setsail works
Dinner tonight Done

Do I have enough left in my budget to eat out tonight?

You have $186 left in dining for the month. If tonight stays around $32, you're still on track.

Dining left $186
Tonight target ~$32

Around $55 still fits, but starts squeezing the weekend.

No spreadsheets No tables to maintain, dashboards to babysit, or budget chores to remember.
Keeps watch Setsail watches the bills, goals, categories, and questions you care about.
Clear answers Ask what changed, what fits, or what needs attention.
Yours to keep Your financial data stays encrypted, portable, and under your control.

The autopilot

Set the direction. Setsail keeps watch.

Most money apps ask you to keep coming back to sort, review, and reconcile. Setsail is built for something lighter: tell it what matters, then let it watch for the things worth your attention.

Point it at what matters

Start with what matters

Connect the accounts you want Setsail to watch, then name the goals, bills, categories, or questions that matter.

Let it keep an eye out

Stay out of the weeds

It watches recurring bills, stated goals, spending patterns, and the money questions you come back to.

Step in when it matters

Get pulled in for real choices

If a bill looks off, a goal starts drifting, or a charge needs context, Setsail gives you the facts and waits for your call.

Ask anytime

Ask without opening a spreadsheet.

When you want to know where your money stands, just ask. Setsail keeps the context close by so it can answer in plain English instead of sending you hunting through charts and transactions.

Bills coming up Done

Do I have any bills coming due?

Yep. Internet is on autopay Tuesday. Rent is due on the 1st; you will need to pay that one.

Internet $72 · autopay
Rent $1,850 · 1st

Want me to send you a reminder?

Remind me No reminder
Dinner tonight Done

Do I have enough left in my budget to eat out tonight?

You have $186 left in dining for the month. If tonight lands around $32, the month stays on track.

Around $55 starts squeezing the weekend, but it still fits.

Grocery budget Done

Why does my grocery budget look off?

Here are the most recent charges I counted as groceries.

Safeway $64.18
Instacart $92.10
Target $38.40

That Target one should be Shopping.

Done. I moved Target to Shopping and updated the month-to-date totals.

Updated totals left
Groceries $214 left
Shopping $86 left
Always Shopping Just this charge

Should Target default to Shopping going forward?

Nudges

Only when something needs attention.

Setsail does not invent work. It brings you in when a bill, budget, goal, or spending pattern looks like it could use a quick decision.

Setsail
Budget heads-up

Dining is pacing about $48 over this month. Eating in this weekend would bring it back near plan.

If this month is different, we can adjust the budget instead. What fits better?

Keep the plan Adjust dining Skip this month
Setsail
Goal update

Your Cabo trip is drifting. At your current savings pace, you would be about $420 short next spring.

Cabo trip
Target $3,200 by Apr 2027
Current pace $210/mo
Needed pace $255/mo
Find room Move the date Leave it for now

Want to look for an adjustment that keeps spring on track?

Setsail
Bill check

Your mobile phone bill looks past due, and I do not see the usual payment charge.

Mobile phone
Due Jun 1
Expected $86
Status No payment found
Paid another way Remind me Not my bill

Did you pay it another way, or did it slip by?

Your data

Your money data stays with you.

Your financial history should be yours to keep, move, and protect. Setsail keeps it encrypted in storage you control, so the details that make the app useful stay with you.

You can export it, save it, and back it up where you choose. If you leave Setsail, your detailed money history should come with you, not turn into another account cleanup project.

Yours to move Export, save, and back up your data on your terms.
Protected by default Your money details stay encrypted in the places you control.
Your data Encrypted and portable
Bills Goals Budgets Questions

The context Setsail uses to help is yours to keep and take with you.

Everfancy LLC

A third option for money stress.

Do not ignore it. Do not babysit it. Let Setsail keep watch, then ask when you need to know where things stand.

Join the waitlist