Junipy shows you what’s coming — so you’re always a step ahead.
It maps every bill, paycheck, and projection 30 days out — so the month never catches you off guard, whether it’s just you, you and a partner, or a whole household.
Where it all takes root
“What will we have to work with this month?”
See every bill, every paycheck, and exactly what’s left — before the month even starts. An extra $200 this month? That’s a savings goal met, a credit card paid down, or the start of something bigger.
Roots are what keep you steady when the season turns. Clarity is that root — clear sight of every bill and paycheck, so the next 30 days never catch you off guard.
See exactly where you'll stand in 30 days — and what you can do with it.
The Cashflow Timeline
Your next 30 days, before they happen
Every bill, paycheck, and projection — laid out on a timeline so you can plant your feet and plan ahead. No more surprises.
Cashflow Timeline
Direct Deposit — Paycheck
income+$3,200.00
$5,847.32
Mortgage Payment
-$1,850.00
$3,997.32
Electric Company
-$142.50
$3,854.82
Grocery Store
-$87.43
$3,767.39
Gas Station
-$48.50
$3,718.89
Coffee & Bakery
-$12.75
$3,706.14
Today
Current Balance
$3,706.14
Visa — Statement Payment
creditprojected-$450.00
$3,256.14
Freelance Invoice
incomeprojected+$1,200.00
$4,456.14
Streaming + Subscriptions
projected-$45.97
$4,410.17
Direct Deposit — Paycheck
incomeprojected+$3,200.00
$7,610.17
Auto Insurance — Progressive
projected-$189.00
$7,421.17
Grocery Store
projected-$102.35
$7,318.82
Smart Budgeting
Know your pace, not just your total
Traditional budgets tell you how much you've spent. Junipy tells you if you're on pace — adjusting daily so your spending stays grounded, not guesswork.
Auto-categorization
Transactions are automatically sorted into your budget buckets. Manual tagging is also available and intuitive.
You’ve seen your next 30 days. Want them for yourself?
Join the WaitlistCredit Card Specific Insights
Your credit cards, decoded
Most money apps show you a balance and stop there. Junipy tracks your whole statement period, projects your closing balance before it locks, and flows every charge through to your real checking balance — so you see the full picture, not half of it.
- Statement period tracking — know exactly when your bill closes
- Payoff planning — see how different payments affect your balance
- Checking impact — every CC charge flows through to your real balance
For one, or for everyone
Rooted together, growing together
Start solo, or bring in whoever you share money with — a partner, a roommate, a parent — with a single email. Share accounts, budgets, and goals, with role-based access so everyone has the right level of control.
- One-click email invites — no app to download
- Admin & member roles — flexible permissions
- Shared visibility — everyone sees the same picture
- Household-wide budgets, goals, and insights
Make It Yours
5 nature-inspired themes
Every theme is named after elements of the juniper tree. Pick the one that feels like home.
Junipy notices what you’d miss
Insights that act before you do
Junipy monitors your spending patterns and surfaces what matters — not just numbers, but the story beneath them.
Sample insights
Dining spending up 43% this month
You've spent $185 on dining vs $129 at this point last month. At this pace, you'll exceed your $200 budget by $70.
Credit card utilization approaching 35%
Your Visa is at $2,847 of $8,000. Consider a payment before statement close on Apr 21 to stay under 30%.
Savings rate trending up
You've saved 22% of income this month — up from 18% last month. You're building a strong cushion.
Subscription audit opportunity
You have 6 active subscriptions totaling $43/month. Two haven't been used in 30+ days.
Junipy Learn
Grow your money knowledge, not just your balance.
Junipy Learn is a member-access library of text and audio guides on budgeting, credit, and building real financial roots — built by us, for the way you actually live with money.
When you work for yourself
Add business tracking when you're ready
Freelancer? Side hustle? Single-member LLC? Enable business tracking and Junipy keeps every branch of your finances organized from one root — no second app required.
Budget, timeline, insights — all personal by default
Mark any account as business — transactions isolate automatically
Just you, you and a partner, or a full house — one clear picture.
Join the WaitlistSecurity & Privacy
Your data is yours
Trust is the bedrock of strong finances. Every design decision starts with “how do we protect our Junipers?”
Bank-Level Encryption
Your financial data is encrypted in transit and at rest — always.
Powered by Plaid
We connect through Plaid, the bank-connection layer behind many of the finance apps and banks you already use — so you log in with your bank, never with us.
We Never See Your Password
You authenticate directly with your bank. We never receive or store your banking credentials.
Read-Only Access
Junipy can only view your transactions. We cannot move money, make purchases, or modify your accounts.
CCPA Compliant
Full California Consumer Privacy Act compliance. Request your data or delete your account anytime.
Built to Bank-Grade Standards
Runs on certified cloud infrastructure with encrypted backups and automatic failover.
Read our security practices and privacy policy.
Honest pricing
One plan. Everything included.
No tiers, no feature locks — whether it’s just you or your whole household, you get everything.
Be among the first Junipers
Billed annually at $119.88/year
- 30-day cashflow timeline
- Credit card specific insights
- Household sharing (up to 6 members)
- Behavioral finance insights
- Auto-categorization
- Bank-level encryption
- Junipy Learn guide & audio library
- Budget buckets with pace tracking
- Business & personal views
- Data export (JSON & CSV)
This is our launch price — join the waitlist to be first in line.
From Our Family to Yours
“We built Junipy to grow our financial roots and let our money work for us rather than against us. Welcome to the family — let’s grow together.”
Nate & Brittany
Founders, Junipy
Read-only by design. We’ll never sell your financial data — ever.
Built with love in the Southwest 🌵