Pailo

Coming soon to iPhone

Budget first. Spend second.

Every bucket gets its own card. When the budget's gone, the card stops.

We'll only email you about Pailo. See our privacy notice.

Budgeting apps tell you what happened. Pailo decides before you spend.

  1. Set the budget before the month starts.

  2. Each bucket gets its own card.

  3. Nothing to categorize, ever.

The app

Every budget gets its own card.

A first look at Pailo, from linking an account to a report you don't have to sort.

1Link your accounts

Connect the accounts you already use. Nothing new to open.

2Make a bucket, get a card

Set a budget, then draw on one account or split it across two.

3Pay, and the budget updates

Tap to pay in a store. What's left updates right after.

4Reports, already sorted

Every purchase comes from a bucket's card, so there's nothing to label.

Every bucket. Right in your wallet.

Each bucket's card sits in your phone's wallet.

Sample phone wallet screen. Four bucket cards in a stack: Utilities, Entertainment and Travel behind a lime Groceries card ending 3186. Nothing else on the screen.
All your buckets, one stack.
Sample phone wallet screen after tapping the Groceries card ending 3186. Latest transactions listed below it: Corner Market, today, $31.20; Fern & Field, yesterday, $18.75; Harvest Row, Sunday, $42.10.
Tap a card for its latest purchases.

How it works

Three steps, then no more sorting.

How the money moves, in order

  1. Your bank account, debit card or credit card funds your buckets.
  2. Your buckets, each with a budget: Groceries $500, Travel $250, and Gifts $100.
  3. Each bucket gets its own card. Gifts has $0 left of $100, so its card stops.
  4. You pay $31.20 at Corner Market with the Groceries card. Groceries updates to $213.60 left of $500, and your reports sort themselves.
When a bucket's budget is gone, its card stops.
  1. 1

    Link your accounts

    Connect the checking or savings accounts you already have, a debit or credit card. You don't need to open anything new.

  2. 2

    Create your buckets

    Name a bucket, like Groceries, and set its monthly budget. It gets its own card in your phone's wallet, paid from one account or split between two.

  3. 3

    Pay with the right card

    Use the Groceries card for groceries. The purchase lands in that bucket, so your reports are done without any sorting.

AI agents

Your AI agent shops. Your budget decides.

If you let an AI agent like ChatGPT or Claude shop for you, give it a Pailo bucket card to pay with. It can only spend what that bucket allows, and you see every purchase.

  1. It can't overspend

    The card stops at the bucket's limit. An order for more than what's left is declined.

  2. A cap on each purchase

    Set the most it can spend at once, like $80. Anything bigger is declined.

  3. Only where you allow

    Choose stores or kinds of stores, like groceries or airlines. Anything else is declined.

  4. Every purchase on record

    Each one lands in that bucket's report right away, with the store and the amount.

  • Pause or close the card in one tap.

FAQ

Plain answers.

What platform will it be on?

iPhone first.

How does funding work?

You link a bank account, and each purchase is pulled from it afterward, which usually takes a few business days. You can also connect a debit or credit card for instant funding.

What does a split between two accounts do?

A bucket can draw on two accounts, for example 50/50 on a $500 budget. Pailo uses the first account until its $250 share is used, then the second.

What if a purchase goes over a bucket's budget?

The card declines it, so a budget works as a real limit.

Is Pailo a bank?

No. Pailo is a budgeting app. Its cards will be issued by a partner bank.

Can my AI agent use a Pailo card?

Yes. Make a bucket for your agent and give it that bucket's card. It can't go over the budget, it only buys where you allow, and you can pause it in one tap.

Your last budgeting app.

We'll only email you about Pailo. See our privacy notice.