Oath™ is built on a simple idea: your budget is a promise to your future self, and the app's whole job is helping you keep it. Budget by the 50/30/20 rule, point your saving and debt payoff at real goals, and track every account, connected or by hand.
Built for everyone climbing, from a first credit card to a maxed-out 401(k).
Plenty of apps can track your money. The difference is everything that happens next.
Most budgeting apps…
…hand you a method.
Most are scoreboards: they tally what already happened and leave the hard part, actually sticking with it, to you. Oath is built to move you forward. It turns your plan into a promise to your future self and is designed, screen by screen, to help you keep it. Motivation is the part nobody else owns. We do.
…bolt goals on as an afterthought.
A starter fund and a $2,300 credit card are the same kind of promise: money moving toward a target. Oath treats them that way: each goal lives with a real account, with progress you can watch and milestones worth celebrating.
…assume you already speak finance.
It builds your first 50/30/20 budget from your income, so you never face a blank slate, and teaches in context instead of up front. The same app serves someone paying off their first card and someone maxing out their 401(k), with no jargon wall at the door.
…make you choose: sync it all, or track by hand.
Link accounts through Plaid, import a CSV, or enter cash by hand, all in the same budget at the same time. Nothing forces a bank login before you see value, and nothing locks you out of automation once you want it.
Oath started as one person's spreadsheet, refined over years of real paychecks, autopays, and goals until the month finally made sense. It worked well enough that keeping it to ourselves felt wrong. Oath is that system, rebuilt as software for everyone.
Oath pulls together the pieces most people scatter across apps, sheets, and shoeboxes, then makes the whole picture make sense.
Build a monthly budget, tag bills to the paycheck that pays them, flag autopays, and watch "remaining" tick down throughout the month.
See your budget through the classic health rule (50% needs, 30% wants, 20% savings), tracked as planned and as lived.
Checking, savings, credit cards, mortgages, loans. Each gets running balances, posted dates, categories, notes, and reimbursement flags.
Hourly or salary. Estimated and actual take-home. Employee + employer match. Want to max out your 401(k)? Oath shows you exactly how.
Define what you're saving for. Track progress. Celebrate milestones in the amber moments that make the journey feel rewarding.
The journey starts here.Tag transactions across any account ("Summer 2025 Beach Vacation," "Kitchen Reno") and get instant totals, breakdowns, and charts.
Teach Oath once that your grocery store = groceries, and every transaction from it lands in the right budget line, forever.
Every monthly and annual service in one list, with bill dates and category mappings, so nothing renews in the shadows.
Tickers, shares, cost basis. Auto-pulled prices. Real-time unrealized gain, no math on your end.
Plug in your accounts and Oath generates the views you'd otherwise spend Sunday afternoons on: utilities trends, variable-spending charts, a full financial statement of assets / liabilities / net worth, group breakdowns, monthly spending by category.
Short walkthroughs of the features our members use every day, straight from the product. No slideshow.
Half your income on needs. Thirty percent on wants. Twenty percent saved or invested. It's the classic personal-finance health check. Oath tracks both your planned percentages and your actual ones so you can see how you're really doing.
No ads. No data selling. Cancel any time.
Personal finance, finally clear.
or $89/year
No credit card required. Cancel anytime.
For the first 50.
Standard rate: $89/year
All plans include bank-grade encryption, full data export, and zero ads.
Oath exists because most personal finance tools are built for people who already have it figured out, or for people who just want to be sold something.
We started from the other side of the problem: not as experts, but as someone learning to make sense of their own money, one month at a time. The approach worked. Year over year, the picture got brighter. So we rebuilt it as software, sharpened it, and opened it up to everyone.
Oath is for the person paying off their first card, the person maxing out their 401(k), and every household in between that just wants the month to make sense.
Your word. Your future. One month at a time.
Oath holds some of the most personal information you have. Protecting it is part of the product, built and tested like everything else. Here's what that means in practice.
Your data is encrypted in transit and at rest. The connection between you and Oath is secured the same way your bank secures yours.
Isolation is enforced at the database level, on every single table, so your information is only ever visible to you. We check that guarantee automatically on every release.
When you connect an account, its credentials are encrypted in a dedicated vault and never stored in plain text. You choose exactly which accounts to link, and you can always start fully by hand instead.
Our code and every dependency it relies on are automatically scanned for vulnerabilities on every change, with independent layers watching for supply-chain risks, so issues get caught and fixed fast.
Your numbers are yours to keep, as completely as if you'd written them down yourself. No lock-in, no quiet data sales, no surprises. Take your full history with you whenever you like.
Think you've found a security issue? We genuinely want to hear from you: help@oath.money.
Most budgeting apps hand you a method and a dashboard, then leave the hardest part, actually staying with it, up to you. Oath is built around that part: your plan becomes a promise to your future self, and the whole app is designed to help you keep it. Saving and paying off debt live in one goal system, manual and connected accounts work side by side, and nothing assumes you already speak finance.
Yes. Oath uses bank-grade encryption in transit and at rest, and your data is isolated at the database level so it’s only ever visible to you, a guarantee we verify automatically on every release. We never sell your data, and you can export everything you’ve ever entered at any time, in standard formats.
No. You can enter transactions by hand, import CSVs, or connect accounts whenever you’re ready. Manual and connected accounts work together in the same budget. The choice is always yours, and it never expires.
Yes. Oath meets you where you are without assuming you already know finance. It builds a 50/30/20 budget from your income so you’re never staring at a blank slate, explains concepts right where they come up, and starts you with one promise to keep instead of thirty categories to fill in.
The Oath web app is fully responsive and works beautifully on phones today, and it installs to your home screen like a native app. Native iOS, iPadOS, and Android apps are on the way, with full feature parity.
You’re our people. Oath grew out of one. Import your data via CSV and we’ll help you map your columns to budgets, accounts, and categories, so you keep the structure you built and lose the manual upkeep.
Always. Cancel from your account settings. No calls, no clawbacks. Your data stays exportable for 90 days after cancellation.
Setup takes about five minutes, and the first 14 days are free with no card needed. You'll have a clearer picture of your money before dinner.