Step 1 — MyMoneyCycle
Upload 3-6 months of bank statements to MyMoneyCycle and get a spending diagnosis showing where your money went. $19.99 one-time.
Money Health Report
See where your money went. Plan where it goes next.
Upload 3-6 months of supported bank statements once. MyMoneyCycle explains your recent money patterns, and PaydayRunway turns them into a 13-week forecast shaped by your answers.
Works with most US and Canadian banks.
Powered by MyMoneyCycle + PaydayRunway
One secure upload3-6 months of statements, processed once for both views.
No human reads your statement in self-serveThe automated processor creates your report.
Deleted after processingOriginal file deleted immediately; secure payment.
How it works
A clear look back, then a practical look ahead.
You need to know where you are coming from before you can plan the future. Start by seeing where your money went, then use that insight to see what is safe to spend and where your money is headed.
Step 2 — PayDayRunway
Your MyMoneyCycle report includes a FREE PayDayRunway forecast. Answer 4 quick questions—no bank login needed—and get your safe-to-spend number plus a forecast of where your money is headed.
Step 3 — Optional review
Use both results on your own or add a 30-minute bookkeeper review for $59 to turn them into practical next steps.
Report preview
Three views. One connected money story.
See what happened, understand the pressure points, and plan around the weeks ahead. Confirmed, estimated, and missing inputs are labeled so the forecast never pretends to know more than it does.
Your Money Health Report
Confidence shown with every forecast
Your money picture
Understand your income pattern, total outflow, and lowest projected week at a glance.
- Income patternPattern + range
- OutflowFixed + flexible
- Projected low pointAmount + week
Where it went
See categories, recurring payments, unusual items, and anything that still needs your confirmation.
- CategoriesClear grouping
- Recurring paymentsConfirmed or unconfirmed
- Unusual itemsFlagged for review
Where it is headed
Follow your projected balance week by week, with low points and safe-to-spend guidance explained.
Low point explained
Planning note: Forecasts are planning models, never promises. Variable income and spending are shown with uncertainty rather than false precision.
Bookkeeper-assisted review
Your numbers are clear. Now choose what to do next.
An optional 30-minute session turns the report into a focused action plan. An XpressBooksND bookkeeper walks through the patterns, checks the forecast assumptions, agrees on three priorities, and sends a written summary.
- Plain-language report walkthrough
- Forecast assumption check
- Three practical priorities
- Written action summary
$19.99
Start with the $19.99 MyMoneyCycle report. Your spending diagnosis includes a FREE PayDayRunway forecast to help you plan what comes next.
- MyMoneyCycle spending diagnosis
- Recurring-payment review
- FREE 13-week PayDayRunway forecast
- Safe-to-spend number after 4 quick questions
Questions, answered
Before you begin
Which banks are supported?
Works with most US and Canadian banks.
What happens to my statement?
Your statement goes to an automated processor that creates your report. The original file is deleted immediately after processing.
Does a person read my statement?
No human reads your statement in self-serve. If you choose a bookkeeper-assisted review, you separately authorize the generated report to be shared with the assigned bookkeeper.
Is the forecast financial advice?
No. It is a planning model shaped by statement history and the answers you provide. It is not financial, tax, legal, debt, or investment advice.
What does the bookkeeper review include?
The optional $59 review includes a 30-minute report walkthrough, a forecast assumption check, three practical priorities, and a written action summary.
Understand the past. Make the next 13 weeks easier to see.
One upload creates one connected Money Health Report.