Managing J1, J2, and J3 Without Three Spreadsheets 💼
Whether you call them J1, J2, and J3, or just "multiple revenue streams," Cake Budget handles your income complexity without judgment. Built by someone who understands that traditional budgeting apps weren't designed for your lifestyle.
Traditional Budgets Weren't Built for OE Life
Multiple Pay Schedules
Our solution: Smart Paycheck Funding handles each schedule automatically
Different Bank Accounts
Our solution: Connect up to 5 banks, see everything in one dashboard
Tax Planning Complexity
Our solution: Protected tax slices with automatic funding
Income Purpose Confusion
Our solution: Assign each job to specific slices and goals
💼 Stop managing J1, J2, and J3 in three different spreadsheets. Cake Budget handles your income complexity without judgment.
Built for Your Complex Reality
Every feature designed to handle the unique challenges of managing multiple full-time incomes.
Multiple Bank Connections
Connect accounts from different banks. Family plan supports 5 connections with 12 total accounts.
Smart Paycheck Funding
Set J1 for bills, J2 for savings, J3 for taxes. Each paycheck funds the right slices automatically.
Protected Tax Slices
Create slices that can't be touched. Auto-fund them from each paycheck for tax safety.
Goal Slice Tracking
Dedicate specific income streams to specific goals with progress tracking and target dates.
Real-Time Updates
See income from all jobs instantly via webhooks. No waiting for daily batch updates.
Automation Rules
Set up transaction categorization and funding rules once. They run forever.
Connect All Your Job Accounts
Link accounts from different banks where you receive J1, J2, and J3 paychecks. See everything in one secure dashboard.
Features Built for Your Lifestyle
Virtual Envelope System
Create slices for taxes, emergency funds, debt payoff, and goals. Money stays in your accounts - tracking is virtual.
Automated Funding Rules
Set up once: which paychecks fund which slices. Every deposit gets distributed automatically.
Traffic Light Spending
Green, yellow, or red - know instantly if you can afford that purchase across all your accounts.
AI Insights
Get personalized recommendations for optimizing your multiple income streams and spending patterns.
Organize Your Money with Purpose
Create slices for taxes, emergency funds, specific goals. Assign different jobs to fund different purposes automatically.
Set It and Forget It Automation
Create rules once, they run forever. Automatically categorize transactions and fund the right slices from the right paychecks.
No Judgment, Just Support
We don't care why you have multiple jobs. Maybe you're paying off debt, saving for a house, or just maximizing your earning years. What matters is having a budget that actually works with your reality.
Built by someone who gets it. Designed for people living it.
Who This Is Perfect For
Real people using multiple income streams strategically.
The Strategic Spender
Use J1 for living expenses, J2 for aggressive debt payoff
Create debt slices with automatic funding from specific paychecks.
The Goal Saver
J3 goes straight to house down payment slice
Track progress with visual goal slices and target dates.
The Tax Preparer
Create protected tax slices from each paycheck
Never scramble to find tax money again.
The Safety Builder
Dedicate one income stream to emergency fund
Watch it grow with automatic contributions and progress tracking.
Your Privacy Matters
Bank-level encryption via Plaid. Read-only access only. We never see account numbers or personal details - just transaction data for budgeting.
Ready to Simplify Your Complex Finances?
30-day free trial. No credit card required. Cancel anytime.