SyncingFund

Save yourself.
Navigate costs.

Start your journey

Known bills

Plan for large bills before they arrive.

List bills such as property tax, income tax, and insurance. Add an estimate and a due month for each bill. SyncingFund totals the estimates and calculates one monthly amount. Move that amount into a separate account.

Use this plan beside your regular budget. It covers large bills that do not arrive each month. Review the separate account each month and update an estimate when the amount changes.

Monthly check

  1. List each bill

    Record the bill name, amount estimate, due month, and payment cycle.

  2. Set a target before the due month

    Use an earlier target for taxes or any bill with an amount that can change.

  3. Divide each estimate by its cycle

    A $3,600 annual bill needs $300 per month. A $900 six-month bill needs $150 per month.

  4. Transfer one total each month

    Move the monthly total into a separate account. Use that account for the listed bills.

  5. Compare the balance with the target

    Check the account each month. Add money or change a target when the balance falls behind.

Worked example

Use one transfer for three bills.

This example shows the amount to save each month and the balance needed in May. The figures are estimates for the example.

Known billAmountCycleMonthly amountBalance needed
Township tax$3,60012 months · due September$300$2,700
Income taxes$18,00012 months · target January$1,500$7,500
Auto insurance$9006 months · due July$150$750
Your monthly amount$1,950$10,950

The needed balance shows your progress. The ledger compares the account balance with the balance needed today. If you start during the year, close the gap with an initial deposit, a temporary increase, or a later target date.

Optional agent help

Let an agent help with the monthly check.

You can check the ledger yourself. An agent can run approved commands and show the records for your monthly review.

status

Show the monthly amount, needed balance, and current records. This command does not change data.

add / edit

Add a bill or change its estimate, due month, or cycle.

paid

Record a payment for the current bill cycle.

roll

Move a paid bill to its next cycle and update the ledger.

The broker permits only approved commands and keeps your sync code out of the agent. Use the browser for actions that delete data.

Pricing

Use the ledger at no cost.

The browser ledger is free on one device. Pay for device sync or optional setup help.

The ledger

Freeon one device
  • Record each known bill and its estimate
  • See the monthly amount and needed balance
  • Track a gap during the year
  • Keep records on your device without an account or server
Open ledger

Sync

$4per month, or $39 a year
  • Sync encrypted records across your devices
  • Get reminders for monthly checks and funded bills
  • Run approved commands through an agent
  • Sync without a bank connection
Choose Sync

Concierge year

$5,000per year, limited availability
  • Set up your ledger from your records
  • Review the ledger each month for one year
  • Make a plan for each gap during the year
  • Use Sync and the Sheet
Ask about availability

SyncingFund does not connect to your bank. You control the account and the transfers.

Plan the bills. Keep control of the money.

SyncingFund does not connect to banks. It does not provide financial or tax advice. It calculates monthly amounts and stores your records. Use a high estimate when an amount can change. Extra money stays in your account.

Make a plan