EasyPeasy - Spend Happier

How it works

Our approach

Join the movement →

Beta opens Jun 1, 2026 · Become 1 of our 100 founding co-builders · Completely free · No credit card

Join the movement →

Beta opens Jun 1, 2026 · Become 1 of our 100 founding co-builders · Completely free · No credit card

We never move your money

Read-only via Plaid

We never sell your data

100 founding spots

Building a community to solve the American spending problem

Good with money
isn't a personality.
It's a habit.

Good with money isn't a personality.
It's a habit.

Most budgeting apps overwhelm you with categories, guilt-trip every purchase, and get deleted within weeks. EasyPeasy is different — it builds your healthy financial habits quietly in the background, one tiny win at a time.

$1 saved each day. $365 by next year. Zero willpower needed.

Join the movement — it's free

100 founding member spots · completely free · no credit card

Secure bank connection via Plaid — read-only · We never move your money

The Traditional Way

Loan Payment

$2,337 (66%)

Shopping

$415 (11.7%)

Bills & Utilities

$168 (4.7%)

Credit Card Payment

$160 (4.5%)

Dining & Drinks

$108 (3.1%)

Health & Wellness

$78 (2.2%)

…6 more categories nobody understands

The EasyPeasy Way

🏠 Survival

$2,793 (50%)

🌱 Future Self

$532 (9%)

😊 Happy

$1,583 (28%)

⚡ Unplanned

$734 (13%)

Easy control of your autopilot spending habits → grow your saving 🌿

founding member spots

📅 Beta opens

Jun 1, 2026

The problem

67% of Americans live paycheck to paycheck. It's not their fault.

Not because they don't earn enough. Because spending happens on autopilot and saving never becomes a consistent habit.

67%

of Americans live paycheck to paycheck

Middle-income Americans need clarity, not complexity. Encouragement, not shame. And habits that run in the background of their lives — not apps that demand daily homework.

3 wks

The average budgeting app is abandoned

Traditional budgeting apps overwhelm users with complexity, trigger guilt around every purchase, and are abandoned within weeks. They treat money as math. We treat it as behavior.

sound familiar?

Why every other app fails you.

It's not you. It's the design. Here's how traditional finance apps are built to lose you.

Too complex

30+ categories nobody understands. You spend more time organizing your money than actually understanding it. Clarity was never the goal.

Designed to make you feel guilty

Red numbers. Scary alerts. "You're over budget." Every dollar treated as a moral failure. Guilt isn't a habit- building tool — it's the reason you stop opening the app.

Built to be abandoned

The average budgeting app is deleted within 3 weeks. Not because users lack discipline — because the app demands it daily, punishes every slip, and gives nothing back in return.

We treat money as behavior, not math. EasyPeasy is built around one question: does this help you feel capable and in control?

Know your number

Know your number. Own your calm.

Your Survival Number is the real cost of being you — rent, food, utilities, transport. EasyPeasy calculates it instantly, so you always know exactly how many freedom days you have to pivot your life if needed. No spreadsheet. One minute.

EasyPeasy instantly calculates your base cost of living — your Survival Number — so you always know your runway. No spreadsheet. Two minutes.

Calculate my Survival Number — free →

Calculate my Survival No. →

Your Survival Number tells you...

What it truly costs to be you

Rent, food, utilities — your real floor

How many days of runway you have

Savings ÷ survival number = your freedom buffer

How much "Happy" money you can actually afford

Spend guilt-free within your real means

How it works

Four buckets. Total clarity.

Your spending, sorted into 4 life purposes that make sense.

EasyPeasy automatically organizes every dollar you spend into four life purposes — a simple, honest map of where your money actually goes and why it matters.

Survival

Rent/mortgage, groceries, utilities, transportation, healthcare, childcare, petcare — the non- negotiables. Seeing this clearly removes anxiety.

Future Self

Every dollar you invest in your future income — upskilling, education, property, stocks, bonds — is a gift to who you're becoming.

Happy

Intentional spending on what genuinely brings you joy. Guilt- free, by design.

Unplanned

Spending beyond your own self-set limits. Awareness — not shame — is the path to change.

Our approach

We treat money as behavior. Not math.

Most people don't need another budgeting app. They need the right habits — built one small win at a time. Every design decision we make filters through one question: does this help you feel capable and in control?

EasyPeasy instantly calculates your base cost of living — your Survival Number — so you always know your runway. No spreadsheet. Two minutes.

Auto life purpose sorting

Every transaction automatically sorted into one of four life purposes — no tagging, no categories, no homework. Your money map, built for you.

Income, expenses & survival budget

See your income, your actual spending, and what your Survival needs will cost — so you always know exactly where you stand, without opening a spreadsheet.

Unplanned spending awareness

Track the spending habits that quietly exceed your own self-set limits. Awareness — not shame — is the first step to lasting change.

Saving habit challenge

Coming soon

A self-directed saving challenge designed to build one of the most powerful financial habits there is. The goal: at least $1/day - that's $365 saved in a year. Small, consistent, and entirely on your terms.

Our north star

The percentage of members who maintain an active saving habit and daily spending reflection at 90 days.

Day 90 is where behavior science tells us habits become permanent. Every feature we build, every nudge we send, every design decision we make — it's all in service of getting you there.

We don't measure downloads. We measure this.

90-day active habit retention

EasyPeasy never moves, holds, or invests your money. We connect to your bank through Plaid to read your transactions — read-only, always.

We are an awareness and education tool. Habits that run quietly in the background of your life — not an app that demands daily homework.

The app

Designed to feel like a friend,
not a homework assignment.

Designed to feel like a friend, not a spreadsheet.

LAST 30 DAYS

Your habits, at a glance — with a nudge that actually helps.

EasyPeasy tracks your 6 personal spending habits in real time. Each circle shows how close you are to your own limit — set by you, not us. No judgment. Just honest clarity.

DAILY INSIGHT

Small wins show up, every single day.

Your daily tip tells you exactly where you stand — and what to feel good about. "Your Unplanned spending is $132 less than last month — nice." That's it. One line. One win. Keep going.

Why I built this

"I have a PhD in monetary economics and spent over a decade in the financial industry. And I still felt lost every time I opened my banking app.

I'd spend 30 minutes staring at 30+ categories, feel more anxious than when I started, and still have no idea what to do next. The numbers were all there. The clarity wasn't.

So I started writing code to analyze my own transactions in a way that actually made sense — four simple life purposes instead of thirty confusing categories. It changed my behavior. I thought: if it worked for me, it could work for anyone.

That's EasyPeasy."

Vy Nguyen

Founder, EasyPeasy · PhD Economics

100 FOUNDING MEMBER SPOTS

Join the movement.

You've tried budgeting apps. You know how they end. EasyPeasy is different — built around your habits, not your guilt. 100 people get early access. Be one of them.

✓ Completely free

✓ No credit card

✓ Connects via Plaid (read-only)

✓ We never move your money

Founding spots filling up

Beta: Jun 1