Know The Exact Day Your Money Runs Out.
Stop living paycheck to paycheck in the dark. See your financial runway before you hit zero.
Projections are based on the information you enter.
Not ready to sign up? Try the free runway calculator first. No account needed.
Built for freelancers, gig workers and founders.
Why people trust Guardrail
How It Works
1. Add your current balance
Start from today.
2. Add income and obligations
Include what comes in and what is due.
3. See your deficit date
See your lowest future balance early.
Your financial data stays under your control
Simple rules. Clear boundaries. No surprise connections.
Manual inputs only
Guardrail does not connect to your bank accounts.
Encrypted in transit
Data is encrypted between your browser and our servers.
Delete anytime
You can remove your financial data whenever you choose.
No data selling
We do not sell your financial data.
Guardrail provides cash-flow projections, not financial advice.
How long does your money actually last?
Most finance apps show what already happened. Guardrail shows what happens next.
Recommendation
Move your subscription payment by 7 days to extend your runway by 12 days.
Not generic advice. Your best next move.
Guardrail simulates possible actions and highlights the one that extends your runway the most.
Common questions
- How does Guardrail work?
- You enter your current balance, your expected income and your upcoming obligations. Guardrail projects that balance forward one day at a time and shows the first date it is projected to fall below zero, along with the lowest point it reaches. It then suggests one change — such as moving a payment date — that would push that date further out.
- Does Guardrail connect to my bank account?
- No. Guardrail uses manual input only. It does not connect to bank accounts or cards, and does not use Plaid or any other account-linking provider. You type in the figures yourself and can delete them at any time.
- Is Guardrail financial advice?
- No. Guardrail produces arithmetic projections from the figures you enter. It is not financial advice and is not provided by a licensed financial adviser. The projection is only as accurate as the inputs, and it cannot account for events you have not entered.
- Who is Guardrail for?
- People whose income does not arrive on a predictable monthly cycle: freelancers, contractors, gig workers, commission earners, seasonal workers and early-stage founders paying themselves irregularly. It is aimed at timing risk — being short on a particular date — rather than long-term budgeting.
See your next 30 days clearly.
No bank connection required. Start free.
Start FreeSetup takes about 2 minutes.
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