An entire money team, working for your household.
Someone who keeps the record. Someone who makes sure it is true. Someone you can text before any big purchase. One name: MyKeeper™. $19.99 a month.
Every money app tells you what happened. Ask what happens if.
MarginSheet™ answers by text. Ask the question from wherever the moment finds you, and MyKeeper™ comes back with a verdict in about a minute. Not a chart. Not a category. An answer.
Sam: Spring break flights just dropped. $1,180 for the four of us, fare expires tonight. Can we?
MyKeeper: Let’s look at the math. Card or debit?
Sam: debit probably
MyKeeper: Yes, and here is what it costs. Cash: your low point over the next 14 days is $2,540 on the 22nd, so $1,180 out today still leaves $1,360 the day before payday. On the card, nothing leaves this month and the $1,180 clears with next month’s statement. Month: either way it counts now. Your August Margin goes from 20% to 9%, about $900 kept instead of $2,080. Your call.
You became the family bookkeeper by default. Resign.
MarginSheet™ gives your household Money Intelligence. The books get kept, what is coming gets caught before it lands, and you never touch a transaction. MyKeeper does the work. You make the decisions.
Three things, from the first month.
About two hours a month, back. Every product in this category asks for them. A coach who recommends Monarch prescribes five minutes daily, twenty minutes weekly and half an hour at month end. YNAB, followed as written, runs 30 to 52 hours a year. MarginSheet asks you to answer the occasional text.
Nothing piles up while you are busy. The pile is how this usually ends: one bad week, then a backlog that costs more than the week did, then an app you stopped opening. Here the filing happens whether or not you had a good week. Ignore it for a month and nothing happens, except that your books stay correct.
A number that tells you when it is soft. Fix a category once and it stays fixed, so you never argue with the software twice. And when the books are missing something, the sheet says so rather than showing you a confident figure: 3 unresolved items could move this month by up to $412. A Margin built on partial data is worse than no Margin at all.
Every business pays people to do three things with its money.
Your household has none of them.
Not apps. People. From the coffee shop on the corner to the biggest company in the world, the same three jobs, done by three different people, because the work is genuinely different. Once you see them, you will notice what your house has been missing.
Someone writes everything down.
Every dollar in, every dollar out, and what it was for, recorded the day it happens. When something is unclear this person does not guess, they ask: what was this $300 charge? Get the answer, write it down, done. In business this person is called a bookkeeper, and the record they keep is called the books.
Nobody in your house categorizes a transaction. Ever. The one question only you could answer arrives as one text, and you reply with a word.
Someone makes sure the record is true.
Once a month they close the month: check that everything written down matches what the bank says, lock it so nobody can quietly change it later, and if a mistake turns up afterward, fix it in the open with a note about what changed. In business this person is called a controller. Most people have never heard the word, which is a shame, because it might be the most important of the three. Because of the controller, when the owner reads the monthly report, she does not check the math. She knows.
On the 5th, your month closes into a permanent statement. Corrections happen in the open, with a note. Not one product on the market closes a family’s books.
Someone looks ahead and answers.
They take the true record and work out what actually matters: is enough coming in to cover what is going out, which debt to retire first, can we afford this right now. And once a year they build the plan, because drafting next year’s budget is their job, not the owner’s. They do not guess wildly and they do not pretend to be certain. In business this is the CFO.
Text before you decide: spring break flights, $1,180 for four, fare expires tonight. You get a real answer in seconds, off your actual money. And once a year MyKeeper drafts next year’s plan and walks it through with you in conversation. Nobody hands you a worksheet.
Write it down. Make sure it is true. Look ahead and answer. Take away any one and the other two fall apart. You get all three under one name, and you never need to know which one is speaking. Read the full report.
You do not go and get it.
It comes to you.
Every other product in this category ends at organized data. It sorts your transactions, draws the charts, and waits for you to come and look. Turning any of it into something you can act on is still your job, and it only happens on the evenings you have the time for it.
MarginSheet™ does the part after that. The books get kept, the month gets read against what is already committed, and what matters arrives where you already are: a text when something genuinely needs you, a statement when the month closes. You never log in to find out how the month is going.
“Budgeting apps” track. Dashboards organize. AI assistants answer. Money Intelligence understands.
A card purchase spends today
and takes the money next month.
Every household watches its balance. Almost nobody watches what they spent, because on a credit card those are two different days.
Buy something on a card and the spending counts now. It comes out of what you keep this month, so your Margin moves today. The cash does not move until the statement gets paid, which is next month. On a debit card there is no gap at all: both move the same day.
That gap is how three purchases in one week can each feel free. Nothing left the account, so nothing looked wrong, and the month was over by the time the statement arrived.
So MarginSheet watches both: what you spent, and what is actually in the account on the day something is due. When your Margin goes negative, the spending has already happened and the account has not felt it yet. That is the earliest warning a household gets before debt starts.
Your checking account
is lying to you.
You watch the checking account. When the balance is comfortable, things are fine. When it dips, you pull back for a while. It works, and it has probably worked for years.
What it cannot do is see forward. It cannot tell you what this month will leave you with, whether you could absorb a surprise, or whether you are building anything at all.
A checking balance tells you what you can cover today. It cannot tell where you will end up this month or next.
MyKeeper: Hey Sam, heads up before the month gets away: you're on track to spend about $1,200 more than comes in this August. Mostly the home improvement run and the two insurance payments landing together. Nothing's wrong yet, but if the pace holds, it comes out of savings. Want me to show you what's driving it?
Sam: yes, is the insurance thing both cars?
MyKeeper: One car, one home. The home policy runs April through August every other month, so this is its last payment until next spring. September already looks lighter.
Keep your system. Add the intelligence.
Nine bank accounts. A spreadsheet you built yourself. A monthly meeting with your spouse. If it works and you like the work, keep it, and we will be the second set of books that catches what one set misses. If you would rather someone else did it, let MyKeeper run alongside your system for 14 days. Compare the statements. Retire your spreadsheet when it has earned it, or never.
You do not have to trust us. You have 14 days to check our work against yours.
We will never put you to work.
That is the other apps' job.
How it works.
Connect your accounts. We go back two years and build your books before you have finished your coffee. Your first MarginSheet covers a month that has already happened.
MyKeeper files everything across every account. When something genuinely needs your judgment, it texts you the question, and your four word reply settles it forever. Otherwise you hear nothing.
Your MarginSheet. Last month settled: income, spending, what you kept, your Margin. This month projected: where you are heading, while there is still time to steer.
MyKeeper watches ahead. A text before a card payment you cannot cover. A note when a subscription price goes up. Warning before, not commentary after.
Budget season. You and MyKeeper plan the year in one conversation, and get the Annual Plan: what is coming, what it costs, and the Margin the year is shaped to produce.
The most expensive thing in a household is a surprise.
This is The Margin Method™.
Never be surprised again.
Start now, free for 14 days. Then just $19.99 a month, your whole household included.
Start with what your credit score actually costs you every month: our free annual report.