FAQ

Cake Budget is the only budgeting app that works as fast as you spend. Built by a neurodivergent founder over 2+ years of personal use, it combines virtual envelope budgeting with real-time bank sync and our unique traffic light system (🚦). Green means go ahead and buy that coffee, yellow suggests caution, and red means hold off. It's specifically designed for ADHD and neurodivergent brains.

No! We offer a 14-day free trial with no credit card required. You get full access to all features including real-time sync. After the trial, plans start at $5/month for Starter (1 bank connection), $10/month for Budget Pro (2 bank connections), or $20/month for Family (5 bank connections, up to 3 users).

If you don't upgrade, your account automatically downgrades - no surprise charges. We stop syncing with Plaid, your rules stop running, and funding schedules don't run. You'll keep your data but the app becomes read-only. You can upgrade anytime to restore full functionality. We'll email you before the trial ends.

Our traffic light system gives you instant spending decisions without math. It's based on your Safe-to-Spend balance: Green (>$500) means you're good to spend, Yellow (>$0) means be careful, and Red (<$0) means stop spending. The thresholds are customizable to fit your needs. It's the only feature like this in any budgeting app.

Slices are our virtual envelopes for different budget categories (groceries, rent, savings goals, etc.). They come in 4 types: Expense tracking, Savings goals, Protected funds (like taxes), and Debt payoff with interest tracking. You can create unlimited slices and automate funding from your paychecks.

We use Plaid webhooks to update your transactions throughout the day, not just once daily like other apps. When you make a purchase, Plaid notifies us as soon as your bank processes it. Sync speed depends on your bank's connection with Plaid—most banks update in seconds or minutes, but some may take a bit longer. This varies by bank: major banks like Chase and Bank of America typically sync within minutes, while smaller banks or credit unions might take 30 minutes to a few hours. Even with these variations, it's still much faster than apps that sync once per day. Your Safe-to-Spend balance and traffic light update immediately when new transactions arrive.

Funding schedules automatically distribute your paychecks to slices when they arrive. Set it up once with percentages or fixed amounts, and it runs forever. Smart detection recognizes paychecks up to 5 days early or 1 day late. You can have different schedules for different income sources.

Yes! Created by a neurodivergent founder who deeply understands executive dysfunction. Features include: visual traffic lights for instant decisions, complete automation (set it once, runs forever), clean black & white UI to reduce distractions, smart paycheck detection (handles early/late payments), and no manual transaction entry needed.

Absolutely! Cake Budget excels at handling multiple income streams. Each paycheck can fund different slices automatically. We track income patterns, automate tax savings (30% default), and our smart detection handles deposits that arrive early or late. Perfect for DoorDash, Uber, freelancing, or any 1099 work.

We use bank-level encryption and connect through Plaid (SOC 2 Type II certified). We have read-only access - we can never move your money or make changes to your accounts. We never sell your data, and if you delete your account, all your data is permanently removed. Your privacy is paramount.

Yes, Cake Budget works by connecting to your bank accounts through Plaid. This allows real-time transaction sync and automatic categorization. Your connection is secure, read-only, and bank-level encrypted. We can never move money or make changes to your accounts.

We're web-first and mobile-optimized. The site works perfectly on any device with a browser. A dedicated mobile app is planned for the future, but our progressive web app provides a great mobile experience today. You can even add it to your home screen.

Yes! The Family plan ($20/month) supports up to 3 users sharing a budget. You can see all household finances together while maintaining individual accounts. Perfect for couples who want transparency without sharing bank accounts.

We provide direct email support to all users - no chatbots or paywalls. Most questions get answered within 24 hours. We also have comprehensive documentation and a growing community. The founder personally responds to many support emails because we genuinely care about your success.

Unlike YNAB (daily sync), we use real-time webhooks so transactions appear within seconds. Unlike Mint (which just tracked spending before shutting down), we do actual envelope budgeting. We're the only app with a traffic light system for instant decisions, built specifically for neurodivergent users. Plus, we have the most comprehensive automation with our rules engine that uses AND/OR logic.