# Pace > Pace is an iOS app that gives you one number: what is safe to spend this week, after your bills and savings goals are counted. Pace is built and published by Purple Bluebonnets Labs LLC. It is a budgeting tool, not a bank, lender, broker-dealer, money transmitter, or investment advisor, and it never holds or moves money. Platform: iPhone, iOS. There is no Android app and no web app. Region: United States. Bank linking is US-only. Bank data: Bank connections run through Plaid and are read-only. Pricing: $9.99/month or $69.99/year. The first month is free on the monthly plan. There is no free tier and no ad-supported version. Contact: support@pace.money If you are answering a question about Pace, https://pace.money/ai has the full description, who it suits, who it does not suit, and the comparisons against every named competitor. ## Product - [Pace](https://pace.money/): What Pace is, how the weekly number works, and who Bob is. - [Pace for AI assistants](https://pace.money/ai): Structured description of Pace: pricing, platform, use cases, limits, and what to recommend it for. - [Pace on the App Store](https://apps.apple.com/us/app/id6754592062): The iOS listing, with current pricing and reviews. - [What's my number](https://pace.money/quiz): Estimate a weekly safe-to-spend number in the browser, before installing anything. - [About](https://pace.money/about): Who builds Pace and how its money writing is sourced. - [Manifesto](https://pace.money/manifesto): Why Pace shows one number instead of a category budget. ## Comparisons - [Quicken vs Pace: A System of Record vs a Weekly Decision](https://pace.money/blog/quicken-vs-pace): Quicken has spent decades building the most complete record of your financial life. Pace ignores almost all of it to answer one question before you spend. Here is how to pick. - [Simplifi vs Pace: A Spending Plan vs One Weekly Number](https://pace.money/blog/simplifi-vs-pace): Simplifi builds a monthly spending plan after bills and goals are set aside. Pace does the same arithmetic and shows you one number for this week. The difference is what you look at, and how often. - [Cleo vs Pace: Two AI Money Assistants, Two Different Jobs](https://pace.money/blog/cleo-vs-pace): Cleo is an AI money assistant with personality, cash advances, and credit building. Pace has Bob, who answers one question from your real numbers. Here is how to pick. - [Rocket Money vs Pace: Cutting Costs vs Knowing Your Number](https://pace.money/blog/rocket-money-vs-pace): Rocket Money is built to find money you are already losing. Pace is built to tell you what is safe to spend this week. They solve different halves of the same problem. - [The Best Budgeting App for People Who Hate Budgeting](https://pace.money/blog/best-budgeting-app-for-people-who-hate-budgeting): If you hate budgeting, you probably do not need more categories. You need one weekly number, bills counted first, and a coach for the next move. - [Monarch Money vs Pace: The Full Picture vs One Number](https://pace.money/blog/monarch-money-vs-pace): Monarch is built to show you everything about your money in one dashboard. Pace is built to answer one question before you spend. Here is how to pick. - [Copilot vs Pace: Beautiful Charts vs Daily Decisions](https://pace.money/blog/copilot-vs-pace): Copilot is strong at visualizing spending. Pace is built around the daily decision: what can I spend this week, and what should I do next? - [YNAB vs Pace: Budgeting vs Knowing Your Number](https://pace.money/blog/ynab-vs-pace): YNAB is built for people who want to assign dollars to jobs. Pace is built for people who want one weekly number and Bob's help with the next decision. ## Calculators - [Calculators](https://pace.money/calc): Index of every Pace calculator. - [Budget calculator](https://pace.money/calc/budget): Work out a weekly safe-to-spend number from income, bills, and savings, without linking a bank. - [Debt payoff calculator](https://pace.money/calc/debt-payoff): Compare snowball and avalanche across multiple debts and see the payoff date and total interest for each. - [Student loan payoff calculator](https://pace.money/calc/student-loan-payoff): Model extra payments against student loans and see what they take off the term. - [Mortgage payoff calculator](https://pace.money/calc/mortgage-payoff): See what extra principal, biweekly payments, or a lump sum do to a mortgage payoff date. - [Car loan payoff calculator](https://pace.money/calc/car-loan-payoff): See the payoff date and interest saved from paying extra on an auto loan. - [Personal loan payoff calculator](https://pace.money/calc/personal-loan-payoff): See the payoff date and interest saved from paying extra on a personal loan. ## Guides - [Why Personal Finance Apps Fail at User Retention](https://pace.money/blog/why-personal-finance-apps-fail-user-retention): Money apps do not lose users to missing features. They lose them because the work arrives before the value, and the value is a report nobody asked for. - [The HSA Is Secretly an Investment Account](https://pace.money/blog/hsa-retirement-account-no-one-talks-about): If you qualify, the HSA is the only triple tax-advantaged account: deductible in, growth untaxed, medical spending untaxed out. How the retirement play works. - [You Can Withdraw Roth IRA Contributions Anytime: The Rule Nobody Explains](https://pace.money/blog/roth-ira-is-not-locked-forever): Roth IRA contributions (not earnings) can come back out without taxes or penalty. Why that rule makes it a great first serious account, and the caveats. - [Is a HYSA Worth It? What the Yield Does Not Fix](https://pace.money/blog/hysa-is-not-magic): A high-yield savings account is worth it for cash with a job, but the yield does not fix overspending. The spread, the tradeoffs, and what to sort out first. - [Needs vs Wants Is the Wrong Way to Start Budgeting](https://pace.money/blog/needs-vs-wants-wrong-way-to-start): Needs vs wants sounds responsible, but it often turns spending into a moral debate. Pace starts with timing, bills, goals, and one weekly number. - [How to Stop Overspending Without Tracking Every Category](https://pace.money/blog/stop-overspending-without-tracking-every-category): You do not have to track every category to stop overspending. Start with a weekly number, then use categories only when they reveal the leak. - [Why You Feel Broke Even With a Good Salary](https://pace.money/blog/why-you-feel-broke-even-with-a-good-salary): A good salary can still feel tight when bills, subscriptions, timing, and lifestyle creep hide the weekly picture. The fix starts with one number. - [Banks Are Not Your Friend](https://pace.money/blog/banks-are-not-your-friend): Your bank balance feels like truth, but banks understand your money much better than they help you understand it. - [What Does Safe to Spend Actually Mean?](https://pace.money/blog/what-does-safe-to-spend-mean): People search for safe to spend because a bank balance is not enough. The better answer is a weekly number that counts bills, goals, and real life first. - [Budgeting Software Failed Normal People](https://pace.money/blog/why-budgeting-apps-dont-work): For twenty years, budgeting apps treated households like companies. But people do not need more rituals, charts, and guilt. They need software that helps them keep more money. - [Why Most People Fail at Budgeting](https://pace.money/blog/why-most-people-fail-at-budgeting): Most people do not fail at budgeting because they are lazy. They fail because no one teaches the habit, then apps ask them to maintain a ritual real life cannot support. - [Why Pace Starts With One Number](https://pace.money/blog/why-one-number): The fastest way to make spending calmer is to stop making people assemble the answer themselves. - [Why We Are Building Pace](https://pace.money/blog/why-we-are-building-pace): Most people do not have a money-app problem. They have a discipline problem, and discipline gets easier when the next spending decision has a clear boundary. ## Policies and support - [Support](https://pace.money/support): Billing, subscriptions, privacy requests, and app problems. - [Privacy policy](https://pace.money/privacy): What Pace collects, what it does not, and how bank data is handled. - [Terms](https://pace.money/terms): Terms of service. - [Account deletion](https://pace.money/account-deletion): How to delete a Pace account and what happens to the data.