First move
Payday opens the cycle
A cycle opens the day your pay lands and closes when the next one does. Not the first of the month, the day the money arrives.
Lefover · Payday to payday
Know what's left. Spend what's right.
One number that already accounts for the bills still due and the money you set aside. It resets every payday, so you always know what is safe to spend.
14-day trial Read-only connection No manual entry
Chapter 01 · The math
The whole formula, on one line.
The bills are found in your transactions and reserved before you can spend them. Credit card balances never touch the number.
Chapter 02 · The cycle
One cycle, three moves.
one full turn, payday to payday
$872.06
Safe to spend
Second move
Bills reserve themselves
Bills still due this cycle are detected from your bank connection and set aside before the number reaches you. Nothing to type, nothing to remember.
Third move
The leftover is yours
What remains is yours to spend, no guilt, no second math. When the next payday lands the cycle closes, and what you kept becomes your history.
Chapter 03 · Bills, reserves, and goals
Bills held. Money set aside. Goals counted.
Bills, found and held
Rent, utilities, subscriptions. Lefover finds them in your bank connection and reserves them at the start of each cycle, so the number you see is already honest. A missed bill follows you into the current cycle and is flagged, never silently stacked.
Reserves, set aside on purpose
Name a reserve for the spending you know is coming. Groceries, fuel, the vet. The amount leaves your safe to spend for the cycle. When a matching charge arrives, you decide whether it draws the reserve. What you do not spend is released when the cycle closes.
Goals you fund on payday
Pick which paychecks fund a goal. When a matching transfer leaves checking, Lefover spots it and you count it with one tap. Money never moves. Lefover only watches.
Credit, watched from the side
Credit cards are watched for utilization, with an alert threshold per card. Watched, never counted.
Chapter 04 · Insights
Measured against your own average, no one else's.
Kept per cycle
What you kept at the end of each cycle, as a running history.
Pace
How this cycle is tracking against the cycles behind it.
Spend consistency
How steady your spending is from cycle to cycle.
Bill reliability
How consistently each bill shows up when expected.
Top categories
Where the money actually went this cycle.
Income trend
How your income is moving across recent cycles.
Chapter 05 · Security
Built to watch. Never to touch.
Read-only, by design
The bank connection can see transactions. It can never move money or pay.
Credentials stay at your bank
You sign in through your bank's own flow, on your device. Your credentials never touch our servers, only an encrypted access token does.
Your region keeps your data
Separate databases for the United States, Canada, and the United Kingdom. Never shared across regions.
Chapter 06 · The price
One plan. $15.99 a month, or $175.99 a year with about a month free.
A 14-day trial. Up to 3 accounts, any mix of checking and credit cards. Savings accounts are not linked.
Canada and United Kingdom pricing is approximate until launch there, about CA$21.99 or £12.99 a month.
Chapter 07 · Start
Your next payday opens the first cycle.
Leave your email. We will tell you the day Lefover opens where you are.
One email, on launch day. Nothing else.