Paychecks that change
Hours vary, so does pay. Lowtide reads your timesheets and learns what a normal week looks like. Extra hours stay extra.
Cash-flow forecast for paychecks that change
Know what's
safe to spend.
Your balance has tides. Paychecks lift it; rent, bills and the card pull it down. Lowtide forecasts every day until your next paycheck, finds the lowest point and tells you what you can spend without touching your reserve.
The demo runs on made-up data. Nothing to sign up for.
Why Lowtide
A balance is a snapshot.
Your month is a tide.
The number in your bank app says nothing about next Tuesday, when rent and the card bill land two days before payday. Lowtide looks ahead for you.
Bills that don't
Rent, phone, insurance and the card land on fixed days. Every one of them is on the calendar before it hits.
A floor you never touch
Pick a reserve. Every number Lowtide shows you already keeps it out of reach, from the day it starts.
How it works
Three steps, then it runs itself.
-
1
Bring what you already have
Bank alert emails flow in twice a day; statements and CSVs drop in when you have them. Timesheets sync on their own. No bank password, ever.
-
2
It forecasts every day
Hours become paychecks on your real pay dates. Bills, budgets, trips and breaks go on the same timeline, day by day.
-
3
You get one number
What's safe to spend, every morning at 8 as a notification, with the low tide behind it whenever you open the app.
Features
Everything your month needs.
Nothing it doesn't.
The low tide, before it comes.
A day-by-day forecast to the end of next month: paydays, bills, the tightest day and your reserve on one chart. Budgets fill as you spend, so you see a problem while there is still time to change course.
- Safe to spend, and how much that is per day
- Whether next month is covered, job by job
- The next 14 days of bills and paychecks
Twelve months ahead, always.
A rolling forecast of every month-end, savings goals filled in priority order, and how much room each trip has without breaking the reserve.
- Goals with what you have now and what you'll have by the date
- The extra saving a month that closes any gap
- The assumptions behind it, written in plain words
Privacy and security
Your money.
Not your password.
No bank logins
Lowtide never asks for a bank password. Data comes from alert emails, files you import and numbers you type.
Passkeys only
Sign in with Face ID or Touch ID. There is no password to steal, phish or reuse.
Checked at the door
A bank email only counts when Gmail's DMARC check passes for that bank's exact domain.
Open and reviewed
Every line is on GitHub, with a threat model and two security reviews written up.
Under the hood
Small, fast and free to run.
React on the front, a Cloudflare Worker with D1 behind it, Web Push written from the RFCs, and a forecasting engine in plain TypeScript, with a fixture test for every pay rule. It fits in the Workers free plan's 10 ms of CPU per request.
- React 19
- TypeScript
- Tailwind 4
- Cloudflare Workers
- D1
- Hono
- WebAuthn
- Web Push
- Vitest
- PWA
See your low tide
before it comes.
Lowtide runs one household today. Accounts for everyone are next on the roadmap.