Budget apps report what you spent. Northmark tells you where you stand today — on pace or drifting, why, what to do next, and where the month will land. In plain English.
Bank-connected · encrypted · your data stays yours.
The Pace Engine
Halfway through the month, is that fine — or a problem? A progress bar can't say. Northmark plots what your plan expects for every day of the month and reads your position against it, the way a navigator reads a route.
Bills land as steps on their due dates. Everyday budgets spread smoothly across the month. Together they trace what on-track looks like on the 4th, the 15th, the 28th — not just at the finish line.
Mark each budget fixed or flexible. Flexible ones carry a tolerance band, so a big grocery week doesn't set off alarms — and a real drift never hides.
Every day you get a status, the why behind it, one concrete suggestion, and a month-end forecast — in sentences, not percentages.
It all reduces to the number you actually need in the checkout line: what you can spend today, given everything already planned and everything already spent.
A third way
Budgeting tools make you pick: total control or total passivity. Northmark is built on a middle path.
Give every dollar a job. Assign, file, reconcile, repeat — powerful, and a part-time job. Miss a week and the whole plan needs repair.
Watch where it went. Connect your accounts, get a pie chart of last month. Effortless — and it has no opinion about tomorrow.
Declare what's fixed, what flexes, and how much slack you allow. Northmark holds your plan up to every day of the month and coaches you through it — no envelopes, no homework, no hindsight.
The road ahead
The foundation
Everything above sits on accounting that refuses to fudge.
Connected accounts show your bank's own balance, and every total comes straight from an immutable record of your transactions — never a second set of numbers to reconcile.
A goal's balance is the sum of what you actually moved, backed by real accounts — and Northmark warns you when goals claim more money than the accounts hold.
Your house and car sit next to the loans that financed them, so net worth means real equity — and Northmark tells you if a property slips underwater.
New transactions arrive already categorized — matched against your own history first — and every correction you make teaches it your way of sorting.
How Northmark marks money
Guidance only works when you can't misread it. Every mark means exactly one thing, everywhere money appears.
Built for trust
Northmark is built to industry standards for handling financial data — and designed so your information stays yours.
Pricing
No tiers to puzzle over, no features held back, no ads. Your subscription is the whole business model — which is exactly why your data is never the product.
All of Northmark while we open the doors a few people at a time. No credit card, nothing to cancel — just ask.
Request an inviteThe whole product, month to month. Cancel anytime.
One payment covers the year — it works out to $7.50 a month.
No surprises later: when paid plans begin at launch, early-access members start with three months free — our thanks for being here early.
Have an account or an invite? Pick up right where you left off. Need an invite? Ask — early access is free, and we're letting people in a few at a time.