Paycheck detected
Connect your bank with read-only access. Umbra watches for every direct deposit — employer, contract, self-employed — the moment it lands.
Umbra Pay automatically protects your paycheck the moment it lands — routing bills, savings, debt, investing, and spending before life gets noisy. Founding Setup gets your first paycheck operating system built with you.
Mint and Monarch show you what already happened. Umbra Pay routes your money before the week gets noisy.
Connect your bank with read-only access. Umbra watches for every direct deposit — employer, contract, self-employed — the moment it lands.
Locked vaults take their cut before anything else gets a single dollar. Rent, hydro, insurance, subscriptions — handled before life can interfere.
Set your rules once. Percentages for savings, goals, debt, investing. Umbra Pay applies them automatically every paycheck — even the bonus-month ones.
One number tells you what's actually yours. No mental math, no spreadsheets. Spend guilt-free up to that line — the rest is already protected.
Most money apps watch your spending. Umbra Pay acts before spending happens.
Mint, Monarch, Copilot show you yesterday. Umbra moves today's paycheck into the right buckets before life burns it.
Don't budget the past. Umbra makes the next dollar arrive with a job already assigned. Follow-through becomes the default state.
The dashboard isn't the product — the routing is. The dashboard exists so you can sleep knowing the routing already happened.
The gap between intention and action is where every plan dies. Umbra closes it by making the right move the default, not the discipline.
Umbra means shadow — the deepest part of a shadow. We sit between your paycheck and everything that wants a piece of it. Calm protection, every payday.
Same problem, opposite philosophy.
| Budgeting apps | Umbra Pay | |
|---|---|---|
| When it acts | After you spend | Before you can spend |
| What it shows | Past transactions | Forward-looking routing |
| Bills | Reminded — you pay manually | Protected vault, funded first |
| Savings goals | Track only | Auto-funded each paycheck |
| Safe-to-spend | You guess | One number, deterministic |
| Follow-through | Up to you | Default state |
| Mental load | Daily check-ins | Set once, sleep |
Umbra Pay is structural, not motivational. Follow-through stops being a willpower test.
Founding Setup is a one-time guided setup for early Umbra Pay users. We help configure vaults, bills, goals, safe-to-spend rules, and a printable Umbra Plan Report.
Pre-launch product. Umbra Pay is a planning and routing platform — it does not currently hold, move, or transfer real funds. Real bank linking via Flinks is on the roadmap. See Terms and Privacy.