Know before you spend.
Know your real headroom
before payday.
liway shows you what’s safe to spend before payday, so you can stop overthinking it.
Connects via Plaid · Read-only · Free to start
One screen
Open the app. Know where you stand.
No setup marathon, no spreadsheet to maintain. liway reads your real balances, bills, and paycheck and tells you straight: how much room you have until payday, or that things are tight, while there’s still time to act.
- One honest number, dated to your next paycheck
- The breakdown underneath it, whenever you want the why
- Every account, the timeline, and the insights
01 · The breakdown
Where it all sits. And what if I spend?
One bar splits your cash into what’s actually available, what’s reserved for bills, and what’s already planned. Then drag the what-if slider and watch a real purchase land against the rest of the cycle, before you make it.
- Available, bills, and planned: split, never lumped into one balance
- A daily pace number, days to paycheck, bills still to land
- What if I spend … drag it, and see what you’d finish with
Still safe. You’d finish around $370.
02 · See everything
Every bank. One picture.
The mosaic packs every account into a single tile: banks sized by what’s in them, accounts nested inside, borrowed money told honestly in accounting style. Tap any tile to focus.
- Checking, savings, credit: every institution, one view
- Cards show borrowed and what’s left to borrow, never inflated cash
- Web and mobile, pixel-for-pixel parity
$700 Checking
$551
03 · One bank at a time
Which bank is doing the work?
Tap an institution and it opens into its own story: how the money splits between savings and checking, six months of flow in and out, the last thing that moved, and the biggest bill it carries.
- Savings-to-checking split, at a glance
- Six months of flow: in and out, month by month
- How many of your recurring bills this one account carries
04 · Look back, look ahead
What moved. What’s coming.
Two cards answer the follow-up questions: why did my number change, and what is still going to hit before payday. Each row shows the balance you’ll be left with after it lands.
- A move between your own accounts shows both legs, and counts as spending in neither
- Every upcoming bill carries its running “after” balance
- One plain-language read-out at the bottom of each card
Apr 25 · Meridian Checking −$200
Apr 25 · Meridian Savings +$200
Apr 21 · Blue Peak Checking +$1,200
Apr 27 · Monthly −$89
$1,642 after
Apr 29 · Monthly −$65
$1,577 after
Apr 30 · Biweekly +$2,480
$4,057 after
05 · Ambient insights
No dashboard to read. Just one line.
Cards end in a plain sentence written for that moment: what your paycheck did, which bills carry the weight, which bank is doing the work. You don’t go looking for insight; it’s already sitting where you were.
- Written from your numbers, never a generic tip
- One per card, where there is something worth saying — not a feed
Detected: biweekly paycheck from your payroll deposit.
5 recurring bills found. Confirm what we got right.
About $1,046 free after bills and planned spend.
Your biggest regular bill is rent, at $1,450 a month.
How it works
Set up in four minutes. Then never wonder where you stand again.
Use Plaid (read-only, no passwords) or enter your numbers by hand. Either way works.
~2 minutesWe detect what’s recurring; you confirm what we got right and add what we missed.
~2 minutesThat’s it. Open liway whenever you need a real answer, or let it tap you on the shoulder when something needs you. Am I safe until payday? One screen.
Who it’s for
One account or twelve.
Weekly, biweekly, or monthly pay, across as many accounts and cards as you actually hold.
Simple or spread across half a dozen banks, the question is the same: what’s actually mine to spend right now? liway does the consolidating so you don’t have to hold it in your head.
- You check one or more bank apps before a purchase and still guess.
- Your money is split across checking, savings, and cards that never reconcile.
- Rent, subscriptions, and card payments land on days you half-remember.
Security
liway can’t move your money.
Read access, and nothing else
liway connects through Plaid with permission to read balances and transactions. There is no payment capability to use.
You sign in with your bank, not with liway
Your password goes to your bank directly. It never passes through liway and is never stored here.
Our own team can’t see your finances
Support can tell whether your account is working. They can’t see what you earn, owe, or spend.
Alerts tell you to look, not what you have
A notification tells you something needs attention. The numbers stay inside the app, behind your lock screen.
Free to start · No credit card
Stop guessing.
Know your headroom.
Connect a bank in two minutes, or try with sample data first. Now on iPhone, Android, and the web.
Or open liway on the web →