Every feature, in numbers.

Plans every paycheck from one anchor.

Your official payday, your net pay, your early-release days. From those three inputs Ample lays out the payday calendar for years and plans each check.

Paychecks a year

26

Months with a third check

2

Early release (default)

2 days

Verdict

every payday

• Bills due before the next payday are assigned to this check, in order, with the running balance after each.
• The checking buffer you set is topped up first. Only what sits above it is offered to savings and goals.
• Deposits that land two days early are still counted as the official payday’s check, so months are attributed correctly and cash math still uses the real landing day.
• One word for the month: All clear, Ease up or Hard stop, with chips for each driver. Materiality decides severity.

Finds the move. Shows the math. Waits for your tap.

Four scanners run on your data: recurring charges, debt, savings yield, and the mortgage. Every Move carries a dollar figure and the arithmetic behind it.

Scanners

4

Statuses

new · reviewing · done · dismissed

Outcomes

does it · checklist · letter

Ranked by

your dollars

• Recurring: a charge above its own recent median for three bills in a row is a price-creep Move; a subscription with no sign of use is flagged for review, never counted as a saving on its own.
• Debt: “pay $X before the statement closes to report under 30%”, avalanche or snowball payoff orders, consolidation offers shown with the total cost and a verify-before-acting note.
• Savings: balance-weighted yield gap against the best widely available insured rate, in dollars a year.
• Mortgage: PMI removal when first-lien LTV reaches 80%, and refinance math on a principal-and-interest basis with closing costs included.
• The Found-so-far ledger totals what approved Moves have freed up, and a Move only counts once you mark it done.

Offers that come from outside sources are labeled with where they came from. Ample takes no fee from any of them. How Moves and offers are shown.

Your mortgage, modeled the way the servicer runs it.

Biweekly halves held in suspense, two extra halves a year to principal, PMI judged on the first lien alone, and a home value you can defend line by line.

Extra halves a year

2

PMI line

80% first-lien LTV

Adjusted value

appraisal × area + renovations

Refi basis

P&I + closing costs

• Biweekly halves: half the payment every payday; the servicer holds it until two halves make a payment; in a 3-paycheck month the third half goes entirely to principal. Ample walks the real payday calendar rather than assuming one lump a year.
• PMI removal: the date the first lien crosses 80% of value, and the letter to send when it does.
• Adjusted value: appraisal, times area appreciation, plus a renovation ledger with a cost-recouped factor per project. Every line editable, every factor explained.
• Net worth over time with assets and liabilities stacked, savings by purpose, debts with APR, minimums and utilization.

Twelve months in a grid. Then the years after.

The forecast grid shows budget and actual for every category across a year, with 3-paycheck months and mortgage halves already filled in. Long-range takes it year by year to the end of your plan.

Forecast

12 months, editable

Long-range default

to age 90

Scenarios

compare 2

Goals

save-up · pay-down

• Edit any future month’s budget in the grid, or apply a change to the remaining months at once.
• Long-range: income sources, an expenses baseline, growth by account type, life events (retirement, a home, a raise, a career break), and a withdrawal order for shortfalls.
• Two scenarios side by side, with the difference on each stat.
• A pay-down goal shows the payoff month and interest saved against minimums. Example from the founder’s data: $1,387 at 27.49% paid at $300 a month clears in 5 months with $96 of interest, against 113 months and $1,992 on minimums.