Your financial guidance system.
Budget apps report what you spent. Northmark tells you where you stand today — on pace or drifting, why, what to do next, and where the month will land. In plain English.
Bank-connected · encrypted · your data stays yours.
The Pace Engine
“$650 of $800” isn't guidance.
Halfway through the month, is that fine — or a problem? A progress bar can't say. Northmark plots what your plan expects for every day of the month and reads your position against it, the way a navigator reads a route.
Your plan becomes a curve
Bills land as steps on their due dates. Everyday budgets spread smoothly across the month. Together they trace what on-track looks like on the 4th, the 15th, the 28th — not just at the finish line.
Slack where you choose it
Mark each budget fixed or flexible. Flexible ones carry a tolerance band, so a big grocery week doesn't set off alarms — and a real drift never hides.
A coach, not a chart
Every day you get a status, the why behind it, one concrete suggestion, and a month-end forecast — in sentences, not percentages.
One number for today
It all reduces to the number you actually need in the checkout line: what you can spend today, given everything already planned and everything already spent.
A third way
Between the envelope and the rear-view mirror.
Budgeting tools make you pick: total control or total passivity. Northmark is built on a middle path.
Give every dollar a job. Assign, file, reconcile, repeat — powerful, and a part-time job. Miss a week and the whole plan needs repair.
Watch where it went. Connect your accounts, get a pie chart of last month. Effortless — and it has no opinion about tomorrow.
Declare what's fixed, what flexes, and how much slack you allow. Northmark holds your plan up to every day of the month and coaches you through it — no envelopes, no homework, no hindsight.
The road ahead
See month-end from the middle of the month.
- Northmark finds the rhythm in your history — rent, paychecks, the gym you forgot about — and carries it forward as a projection of every account.
- Every expected bill reconciles against reality. Paid gets a quiet ✓; missing gets flagged. Confirm or correct a match once, and Northmark remembers your answer.
- The low-balance watch reads the road ahead. If checking is headed under $100 on the 23rd, you find out today — not on the 23rd.
The foundation
Guidance you can trust starts with numbers you can trust.
Everything above sits on accounting that refuses to fudge.
Accurate by design
Connected accounts show your bank's own balance, and every total comes straight from an immutable record of your transactions — never a second set of numbers to reconcile.
Savings that are real money
A goal's balance is the sum of what you actually moved, backed by real accounts — and Northmark warns you when goals claim more money than the accounts hold.
The whole picture
Your house and car sit next to the loans that financed them, so net worth means real equity — and Northmark tells you if a property slips underwater.
Sorting that learns
New transactions arrive already categorized — matched against your own history first — and every correction you make teaches it your way of sorting.
How Northmark marks money
Guidance only works when you can't misread it. Every mark means exactly one thing, everywhere money appears.
Built for trust
Security isn't a feature. It's the foundation.
Northmark is built to industry standards for handling financial data — and designed so your information stays yours.
Pricing
One plan. Everything included.
No tiers to puzzle over, no features held back, no ads. Your subscription is the whole business model — which is exactly why your data is never the product.
Our first 100 people get in right away, with a free month of all of Northmark. No credit card to start.
Get your free monthOne payment covers the year — it works out to $11.67 a month.
Subscribe annuallyEvery paid plan comes with a money-back guarantee: if your finances haven't improved in your first 60 days on a paid plan, tell us and we'll refund you in full.
Know where you stand. See where you're headed.
Our first 100 people get a free month, starting right away.