Income Routing Engine
Your paycheck, routed
before you touch it.
Plan your route before your paycheck lands. Umbra shows exactly how every dollar would be protected — bills first, then savings, debt, and goals — before you have a chance to spend it.
Routing preview mode. No real funds moved. Full automation coming post-launch.
Set up your plan in 5 small steps
Add your paycheck, cover your bills, pick a goal — and see how much is safe to spend.
Paycheck amount
Where your money goes
Vaults are like envelopes — each one gets a slice of your paycheck. We keep the slices adding up to 100% for you.
Money flow
Watch your paycheck route into protected vaults.
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Covered from protected vaults
Protection OS
Envelope clarity and money operations, handled around your route.
Paycheck breakdown
Configure your paycheck and vaults to see your routing breakdown.
Plan details
Forecast, vault guide, and route activity without stretching the page.
Cash-flow forecast
Paychecks, bills, and windfall months in one forward view.
Vault guide
Plain-language purpose behind each protected envelope.
Pick a vault to see what Umbra is protecting and why it matters.
Envelope activity
Log spending from vaults so protected balances stay honest.