200+
hours of sleep lost per year to financial anxiety
— National Debt Relief Research
Pay this. Hold that. Done.
77% of people lose sleep over bills. Tru shows you exactly what to pay, what to hold, and what to skip — so your brain can finally close the tab.
Try Tru FreeFree plan · No card required
Week of Sep 13
Your planMonPay rent$1,200
TuePay electric$500
WedHold car payment$500
ThuPay minimum$100
FriPayday — you're safe+$2,000
Your brain is running the numbers 24/7. We do it instead.
62%
of U.S. adults live paycheck to paycheck.
77% of U.S. adults lose sleep over financial worries. 37% of missed bills happen to U.S. adults who had the money. The problem isn't the account balance. It's the mental load.
The dates never line up
Bill due dates never line up with paydays — so you do the math constantly, every single day.
Budgets look backward
Budgeting apps show you last month. You need to know about tomorrow.
So you avoid looking
You avoid opening your banking app because looking triggers the anxiety — so you avoid, and it gets worse.
How it works
1
Enter your bills and when you get paid
Takes about four minutes. No bank connection required.
2
Tru maps your balance every single day
Not last month. Tomorrow. Every day between now and your next payday.
3
It tells you exactly what to pay, hold, or defer
And the loop in your head finally closes.
One card. The whole week. Decided.
Tru finds your tightest point before payday, then shows what to pay now, what to hold, and when paying the minimum protects your balance. You can see the tradeoff before making it.
This is the picture your brain was trying to build at 2am. Tru builds it in seconds.
Week of Sep 13
Cash $2,000✓ Pay $1,700Ⅱ Hold $500↘ Pay Min $100
Mon 13Pay $1,200Left $800
Tue 14Pay $500Left $300
Wed 15Hold $500Left $300
Thu 16Pay Min $100Left $200
Tightest point — $200 left until payday
Payday arrives — the held $500 is now due
Fri 17Payday +$2,000 · pay held car $500Left $1,700
AI advisor
Plus includes an advisor that reads your plan and tells you what to do.
Not a chatbot waiting for a question. Open the advisor and it scans your own bills, paydays and tight days, then answers with ranked actions, real amounts and real dates.
Included with Plus. General guidance, not regulated financial, credit, tax or legal advice.
- A clear pay / hold / skip order: roof, lights, food, transport — credit cards last.
- Spots the patterns you live with: several cards, minimum-only payments, subscriptions creeping up, no buffer.
- Says when outside help is worth it — rent splitting, a balance transfer, an account that can't overdraft.
- Answers in English or Spanish in seconds, any time of night.
Not another budget app.
vs YNAB / Monarch
They show last month.
Tru shows tomorrow.
vs Dave / Brigit
They lend after the crisis.
Tru prevents it.
vs Your own head
You run the math every night.
Tru runs it once — so you don't have to.
The mental loop has a real cost.
$500B
lost by U.S. employers annually to financial stress and lost productivity
— PwC Financial Wellness Survey
25% / 11%
improvement in cognitive function and reduction in anxiety after resolving one outstanding debt
— Journal of Consumer Research
1 in 3
working adults spends 3+ hours every week mentally tracking bills and balances
— Financial Health Network
7 days free. Cancel anytime.
Most popular7 days free
Plus
$4.99/mo
or $47.99/yr
- Unlimited bills
- 12-week view
- AI advisor
- Export
Card required. Cancel before day 7 and you pay nothing.
People sleep better with Tru.
“I used to lie awake calculating. Now I check Tru once and sleep.”
“Finally an app that tells me WHAT TO DO, not what I already spent.”
“I stopped avoiding my bank account the day I started using Tru.”