Stop budgeting your coffee. Create a real plan with Iceberg.

Iceberg is not a budgeting app. Separate your recurring, predictable expenses from the messiness of everyday spending. Plan for your future, pay off debt, and obtain real peace of mind.

01 · Living Expenses

One number covers everything.

Set a weekly Living Expenses amount - groceries, gas, restaurants, whatever. No category tracking. Live inside one number and Iceberg handles the rest.

02 · Cash Flow

Every payment. Every frequency.

Biweekly paychecks, monthly bills on different dates, weekly transfers - Iceberg simulates every entry day-by-day across your full forecast horizon. Complex recurring schedules just work.

03 · Debt Payoff

Avalanche & Snowball - With a Safety Floor

Iceberg automatically routes extra payments toward your highest-priority debt - or smallest balance if you prefer snowball. The engine never suggests a payment that cuts into your emergency fund or sets up a bad month further down the road.

04 · Purchase Timing

Know the safest day to spend.

Use the smart expense feature to open a calendar heatmap of your projected balance. Green means clear. Red means don't. Plan vacations and new tires with peace of mind.

The idea

One lever. Living Expenses.

Everything else runs on autopilot.

Set once

Fixed Entries

Bills · Debts · Income
Enter once, fire forever

Your lever

Living Expenses

One weekly number for everything else

The result

Debt-Free Date

Updates in real time as you adjust

Enter your paycheck, rent, subscriptions, and debts once. Iceberg simulates them automatically. The only variable you control day-to-day is your living expenses: one weekly number that covers groceries, gas, restaurants, whatever. As long as you live within that number, the projection just works.

Lower it and your debt-free date moves sooner. Raise it and it moves later. No category tracking, no guilt about coffee.

The philosophy

Set it up once. Then stop worrying about your finances.

Most finance apps want you engaged every day. Logging transactions. Categorizing spending. Reviewing reports. Reading notifications.

Don't micromanage yourself.

When something comes up - a trip, new tires, a question about an extra payment - open the app, get a real answer based on your real numbers, close the app. That is the entire interaction model.

Iceberg isn't a budgeting app. It's a projection and planning app.