Rubato Plan · Adaptive financial planning
Rubato has a $0 Free plan for inconsistent, irregular, or variable income. Enter accounts and transactions manually or privately import CSV, OFX, and QFX statement exports without connecting a bank.
Rubato connects variable income, changing expenses, bills, debt, and savings into a living financial plan—and shows you what to do next.
Designed for uneven income and changing expenses.
Set aside funds for the next 14 days.
Transportation is higher than planned.
After the essentials above are protected.
It keeps required bills covered before assigning the remaining amount.
Built around change
Rubato keeps the timing, tradeoffs, and next decisions visible when a predictable monthly budget does not fit.
Built for freelancers, contractors, hourly and seasonal workers, and people paid by commission.
Calculate a six-month income baselineSee required bills and near-term cash needs in the same plan as expected income that can change in amount or timing.
See bills and variable income in the demoWhen income, dates, or costs change, Rubato reorders the next actions so the most important move stays clear.
Explore prioritized next actionsRubato Free lets you add accounts and transactions manually or import CSV, OFX, and QFX statement exports. A bank connection is optional.
Explore all Rubato featuresSee the no-bank-connection workflowCompare Free and paid plansCompare five free budgeting workflowsCompare Rubato Free with EveryDollar FreeYour life is the input
Real income arrives unevenly. Expenses move. Priorities change. Rubato builds the plan around your actual life instead of asking your life to conform to a spreadsheet.
Your paycheck, client payment, commission, or shift income may arrive at a different time or amount.
Utilities, transportation, healthcare, family costs, and everyday spending do not repeat perfectly.
An urgent bill, debt payment, savings goal, or life event can change what matters next.
How Rubato works
Flexible timing, held together by a clear decision path.
Connect income, expenses, debts, savings, investments, and upcoming obligations.
Rubato evaluates what changed, what is coming, and which commitments matter first.
Get a short, prioritized set of actions with clear reasoning and confidence.
A plan, not just a dashboard
Rubato connects what happened, what is coming, and what you can do now.
Traditional monthly budget
RubatoAdaptive approachSee the plan respond
Explore three fictional examples. Each one turns a changing input into a focused next move with visible reasoning.
Built for
For freelancers, families, and anyone budgeting with irregular income or fluctuating expenses—without judgment about why the month changed.
When project payments arrive at different times and in different amounts.
See the freelancer budgeting workflowWhen schedules, overtime, and paychecks change throughout the year.
When strong and weak earning periods require different decisions.
When family needs, bills, healthcare, transportation, or priorities refuse to stay fixed.
Transparency by design
Financial guidance should not feel like a black box. Rubato shows what affected the plan, why an action matters, and when missing information limits confidence.
Recommended next move
Protect the next two required bills.What changed
Deposit date movedWhat it affects
7-day cash floorPlan response
Priorities reorderedQuestions, answered
Rubato supports cash-flow planning beyond a rigid monthly budget, with the next financial step kept in view.
Explore the demoRubato—also known as Rubato Plan—is an adaptive budgeting and cash-flow planning app for people with irregular income or changing expenses. It connects bills, debts, goals, investments, and upcoming obligations, then identifies the next actions that matter.
Rubato has a $0 Free plan with no trial required. It includes manual account, balance, and transaction entry; private CSV, OFX, and QFX bank or credit-card statement imports; rules-based guidance; seven months of visible transaction history; and JSON data export.
No. On the Free plan, you can create accounts and enter transactions manually or select a CSV, OFX, or QFX statement export to import. Rubato reads the statement file in your browser and saves only the transactions you confirm, not the source file.
That is exactly the kind of financial life Rubato is designed to support. The plan can adjust as new income arrives or expectations change.
Rubato surfaces a prioritized set of next actions, explains why each action matters, and shows how confident the recommendation is.
Rubato is a financial-planning tool, not a substitute for professional tax, legal, investment, or individualized financial advice when that expertise is needed.
Yes. The public demo uses fictional data, requires no account or bank connection, and does not save anything.
Your plan can move with you
Build a financial plan designed to move with real life.