Knowing where to start can be the hardest step in budgeting. OnCard solves that issue. For the first month, simply use your OnCard for all your everyday purchases and the app will establish a budget based on your spend. Traditional budget tools use a template that assumes everyone spends the same way based solely on income.

After you've learned where you’re spending, you can plan the budget you want by adjusting category allotments to fit your needs.

The app will help you track where you're within budget and where you're over, so you’re more conscious about the spending choices you make.

Trend reports are created in the app that give you visibility month to month so you can continue to fine-tune and adjust your budget as desired.

OnCard helps make budgeting more personal, real, and puts you in control.