Yarrow
Your next move, every payday.
Yarrow is a money plan for people who aren't already good with money. It reads your paycheck, bills, debts and spending, then tells you the one thing to do with this paycheck, with the math shown.
Friday, Oct 16 · Payday
Your next move
Pay $300 extra to Chase card
It charges 27.9%, your costliest debt. Bills and budgets for this paycheck are covered first.
I did it- Read-only. Yarrow can see your money but never move it.
- No bank password. You sign in to your bank through Plaid. We never see it.
- No ads. We never sell your data. You pay us, so we work for you.
How it works
No spreadsheet, no budgeting homework. Three steps, then one move each payday.
Connect your bank
Through Plaid, read-only. Yarrow finds your paycheck, bills and debts. You check them and fix anything it got wrong.
Set a few budgets
Groceries, Getting around, Everything else. Yarrow shows what's left in each until your next paycheck.
Get your move every payday
One clear move, the plain math and why it comes next. You make the move in your bank's app, then tap “I did it”.
What a payday looks like
Bills come first. Then your budgets. Whatever is left goes to the plan, one move at a time, and you can see every number.
Where the $300 comes from
Bills include rent, the car loan, your phone and every card minimum.
Budgets left this paycheck
Green is on track, amber is tight, coral is over.
Step 3 of 6 · High-interest debt
Chase card
Paid off around Jan 23, 2027. That's a projection at your current pay and bills. It moves when they do.
Example numbers.
When something goes wrong, you hear about it first
Yarrow doesn't wait for you to open the app. It says what happened, what to pay first, and sends a notification right away.
A bill is due before payday
Your paycheck is late
Your bills are bigger than your pay
Your income stops
The plan, in the right order
Every move comes from one ladder. You always pay the minimum on everything. The extra goes to the first step that isn't done yet.
The order bends to your situation. A loan with a very high rate can jump the line, and a card that creeps back up comes back into the plan.
- Catch up on past-due billsStop the late fees and shutoff notices first.
- A starter fundA small cushion, so one surprise doesn't become new debt.
- High-interest debtCredit cards and costly loans, highest rate first.
- A full safety netA few months of take-home pay, set aside.
- Low-rate debtCar loans and the rest, highest rate first.
- Your goalsWhat you're saving for, once the ground is solid.
Your bank data, handled carefully
Yarrow only works if you can trust it with the most private numbers you have. Here's what that means in practice.
It can look, not touch
Bank access is read-only through Plaid. Yarrow can't move money, pay bills or open accounts. Every move is yours to make.
Your password stays with your bank
You sign in to your bank inside Plaid's secure window. Yarrow never sees or stores your bank username or password.
Encrypted and kept in the US
Bank access tokens are encrypted, every connection uses TLS, and your data is stored on Amazon Web Services in the United States.
Gone when you say so
Delete your account and we remove your bank connections and your stored data. No ads, no data sales, ever.
Fair questions
Can Yarrow move my money?
No. Yarrow has read-only access. It tells you the move; you make it yourself in your bank's app, or skip it.
I'm already behind on bills. Is this for me?
Yes. That's who Yarrow is built for. If you're behind, catching up comes first, and Yarrow tells you which bill to pay first when there isn't enough for all of them.
What if my pay changes from check to check?
Yarrow plans on a careful estimate of your pay and adjusts when the real deposit lands. Tips, gig work and side income count too.
Is this financial advice?
No. Yarrow is a planning tool that does the math on your own numbers. It isn't a bank and doesn't give investment, tax or legal advice. The decisions stay yours.
Coming soon to the App Store.
Yarrow is in a small beta on iPhone. Want in early, or want a note the day it launches? Send us an email.