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Confidently ahead

Budgets are backward.
Unfazed is your money, months ahead.

So you can 

Unfazed projects every paycheck, bill, and obligation onto a forward-looking ledger — so you always know what your checking account can handle, months before it matters.

Free through beta · No card required · iOS, Android & web
01 The problem

Most apps give you last month's spending when you can't do anything about it.

They tell you where your money went last month. Groceries $624. Dining $288. Mortgage, as always. Useful for judging, not for deciding.

Most finance apps
Where your money went.
MARCH · LAST MONTH
Groceries $624
Dining $288
Subscriptions $187
Rent $2,100
"Great. Now what?"
Unfazed
Where it's going.
NEXT 30 DAYS · FORECAST
Apr 25 Mortgage · fixed −$2,100
May 3 Salary +$2,860
May 12 Amex · paced −$512
May 24 Projected floor $1,420
"Got it — move $500 to checking on May 10."

Budgets are backward. They can only show you what already happened, never what's about to. You need to see what's coming, with enough lead time to do something about it.

Two horizons

Forward isn't one view. It's two.

There are two questions. The first arises between meetings; your phone answers in twenty seconds. Is my spending this week on pace? The second needs coffee and a Sunday morning. What's the next sixty days actually shaped like? We built a tool for each.

02 · Pacer · The daily glance

Know where you stand. Know what to do about it.

You see the bottom line mid-month, not category noise. When pacing slips, Pacer suggests the smallest fix that restores it.

Try it

Move the sliders. The text on the right updates the way Pacer's would the next morning.

Pacer

Today, 7:00 AM

Spending power is 74%. You have $375 left over the next 3 days.

A 1-day spending freeze restores 100%.

Remaining
$375
Daily
$125
Days left
3
Text-first
Most days you never open the app. A short text reaches you in the elevator, and you know.
No homework, just pace
You don't categorize transactions or tag $78 grocery runs. A battery shows your spending power; the text confirms the pace.
Actionable, not accusing
Pacer never says 'you overspent.' It says 'a one-day freeze restores 100%.' Each text gives you one concrete next move.
The premise
Life doesn't fit neatly in a little monthly box.

A budget is a box drawn around thirty days. The bills that show up twice a year, the income that arrives in lumps, the trip you booked in May because the prices were better in May; none of them respect the box. Forward planning is what the box was always trying to be.

03 Runway · The longer view

The next 90 days.

A forward ledger you can actually steer. Ask the copilot a what-if; the answer pins to the dates you'd feel it.

unfazed
1 active thread
Runway · forward ledger

Covered through Jun 4

Floor dips to $3,180 on May 24. That's $2,580 above your $600 minimum.
Date
Activity
Amount
Balance
Apr 16
Today · balance
—
$9,200
Apr 30
Paycheck
+$3,000
$12,200
May 1
Rent · autopay
−$2,400
$9,800
May 8
Amex Gold paced 56%
Pacer's daily tracking drifted this from the $840 budget.
−$960
$8,840
May 12
ACH from HYSA your fix
Initiated May 9. Settles in three days.
+$3,000
$11,840
May 15
Costa Rica getaway from thread
−$6,200
$5,640
May 24
Tightest week floor
—
$3,180
May 31
Paycheck
+$3,000
$6,180
Thread · Apr 16
collapse
Can we afford Costa Rica in a few months?
Grounded in the ledger on the left. Changes you accept here pin to it.
$6,200 Costa Rica, mid-May. Yes or no?
a

Let me look at what May actually holds.

runway.project · window May 1 to Jun 15 pacer.forecast · Amex Gold

If you book May 15, initiate a $3,000 ACH pull from your HYSA on May 9 so it lands by May 12. Floor drops to $3,180 on May 24, which is $2,580 above your $600 minimum. Covered with headroom.

Your $600 threshold is set lean on purpose. Most of your cushion is earning 4.5% in HYSA, not idling in checking. Runway sees the dip 3 weeks out, so there's time to pull.

Two reasonable paths:

covered Book May 15 as asked
Floor $3,180 · $3K ACH from HYSA
comfortable Wait to Jun 3 one paycheck later
Floor $4,820 · HYSA untouched

I've pinned both to the ledger so you can see the shape. Pick one or keep thinking.

Pin May 15 to the ledger ↑
Numbers with a dotted underline came from a tool call.
Forward ledger
Every paycheck, every bill, every paced card, the lump-sum line items that hit twice a year. All of it laid out flat, ninety days out. The week that's tight is marked before it arrives.
Planning thread
Ask whether you can afford something. The thread works through it beside the ledger, surfaces a few honest paths, and pins the ones you accept right into the dates you'd feel them.
Grounded in your numbers
Every figure the copilot cites carries a dotted underline back to the data that produced it. Your money does the math. The copilot helps you read what it's saying.
The copilot, in two moods

Plan ahead, or get a heads-up.

You set the goal, or the copilot flags the breach.

Asked
I want $5,000 saved for Costa Rica by August.
a

Four months out. The shape of the next ninety days is mostly known. Tuition lands twice in that window, and the quarterly commission usually clears in early July. Three reasonable paths, depending on what you'd rather not touch.

lean Trim $310/mo from the Amex Gold pace.
Floor stays at $3,180. No HYSA pull, no bonus assumed.
hybrid Pull $2,000 from the HYSA in June. Trim $200/mo on the Amex through August.
Floor dips to $2,140 the week of July 22. Above your $550 minimum.
bonus Assume the July commission lands on the 15th. Move $2,500 of it straight to savings, trim $150/mo.
Path holds if commission clears by July 22. Pinned soft until the deposit posts.

All three are pinned to the ledger. You can hold them in view, swap one in, or keep thinking.

Surfaced
a

Heads up. Looking seven weeks out, the floor breaches $550 the week of June 10, two days after the second tuition installment posts. Three ways to stay above it.

shift Move the June 22 tuition installment to June 28.
Floor holds at $720. Confirms with the school's portal.
pull ACH $1,500 from the HYSA on June 17, lands by June 20.
Floor stays at $1,940. Standard 3-day settle.
pace Cut the Amex Gold pace by $400 starting June 1.
Floor stays at $1,310. No HYSA touch, no schedule change.

Pick one and the ledger redraws. Ignore them and the heads-up stays pinned until the date passes.

Pacer told you the credit card was fine. The credit card isn't the only thing on the 14th.

Start the longer view →

Free through beta. iOS, Android, and web.

Try the ledger

A month with three surprises in it.
None of them surprised the plan.

A composite household. Dual income, kids, a mortgage, tuition, unplanned car repair. Click through and watch the floor.

unfazed
live ledger
1 / 5
Runway · forward ledger

Below $600 minimum

Floor lands at $480 on May 25. Below your $600 safety minimum.
Date
Activity
Amount
Balance
Apr 27
Today · balance
—
$6,720
Apr 28
Aftercare
−$1,800
$4,920
Apr 30
Paycheck (biweekly)
+$3,200
$8,120
May 1
Amex Gold payment
−$1,540
$6,580
May 5
Mulch and pinestraw
twice-yearly
−$420
$6,160
May 6
Paycheck (monthly)
conservative; bonus not assumed
+$4,500
$10,660
May 12
Tuition installment 1 of 3
−$2,800
$7,860
May 13
Aftercare
−$1,800
$6,060
May 15
HOA quarterly
−$650
$5,410
May 18
Visa payment
−$680
$4,730
May 22
Anniversary getaway
−$850
$3,880
May 25
Mortgage + escrowbelow $600
−$3,400
$480
May 28
Paycheck (biweekly)
+$3,200
$3,680
Jun 1
Amex Gold payment
−$1,540
$2,140
Jun 6
Paycheck (monthly)
+$4,500
$6,640
Jun 9
Visa payment
−$680
$5,960
Scene 1 of 5 · The breach
The floor you couldn't see.

Four weeks out, the floor lands at $480 on May 25. That's $120 below your $600 safety minimum. The day after the second mortgage, before the next paycheck.

Floor breach

$480

May 25 · Below $600 minimum

Pacer told you the credit card was fine. Runway told you the month was, too.

Pricing

Two ways in. One philosophy.

Most people start with Pacer and grow into Runway when one card stops being the whole story.

Free for 50 days

Start

$4.99 / month

Pacer for one credit card. The daily glance.

  • One credit card monitored via Plaid
  • Daily SMS with spending power and pace
  • Battery visualization for at-a-glance pace
  • Smallest fix when pacing slips (one-day freeze, small transfer)
Join the Start beta →

No credit card required for the trial. Cancel anytime.

Full access

Full

$9.99 / month

or $99.99 / year (save $20)

Pacer for all your cards, plus Runway. The full forward picture.

Everything in Start, plus:

  • Forward-looking cash register with running balance
  • Automated reconciliation and recurring detection
  • Copilot that plans what-ifs and flags floor breaches
  • Savings goals and safety net monitoring
  • Multi-card pacing and household member access
Join the Full beta →

Works on any device. No app download required.

Detailed breakdown

Feature comparison.

Feature
Start
Full
Daily SMS with spending power and pace
Battery visualization for at-a-glance pace
Smallest fix when pacing slips
Credit cards monitored 1 card All your cards
Forward-looking cash register with running balance −
Automated reconciliation from Plaid −
Recurring detection and series management −
Planning copilot for what-ifs and floor breaches −
Savings goals and safety net monitoring −
Household member access −

No contracts. Cancel anytime. Unfazed is a web app that works on any device.

04 How it works

Three steps, and then it works in background for you.

Unfazed is not another dashboard to check. Once it's set up, the work happens in the background; it taps your shoulder only when it matters.

01
Connect your accounts
Plaid-secured read-only link to checking, savings, and credit. Two minutes.
02
We build your Runway
We read the last 90 days and project the next 90 — paychecks, fixed bills, paced statements. You review and edit.
03
Pacer keeps watch
Pacer texts you when pacing slips — with a suggested move, not a lecture. Most days you never open the app.
Join the waitlist

Confidently ahead.

Free through beta. Join the waitlist and we'll tell you when it's time.

iOS · Android · Web