Every budgeting app tracks the past. Tens of Dollars shows you the future — your real available cash after every known bill, synced to your pay period, not the calendar. No bank login. No transaction categorization. Just your balance, your bills, and one clear number. Plus debt payoff planning, a visual Events Canvas, and encrypted joint accounts — all in under a minute. tensofdollars.com
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Maker
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Hey Product Hunt! 👋 I'm Nick, the solo developer/designer behind Tens of Dollars.
I built this because I quit every budgeting app for the same reason — maintaining categories and tracking every transaction was more exhausting than just winging it. So I did what any frustrated developer does: built my own spreadsheet. Just my bank balance, every known bill, and what I'd have left. That one number was all I ever needed.
I used that spreadsheet for years. Knowing exactly what I could spend before every bill hit kept me from making mistakes I couldn't undo; and helped me plan a debt snowball payoff plan.
Tens of Dollars is that spreadsheet, done right. No bank logins, no transaction tracking, no categories to maintain — just your real cash flow for your actual pay period.
I've been using it exclusively for two months and it's completely replaced my spreadsheet and I love it. Hope it does the same for you.
Happy to answer anything — ask me anything below!