Sequence

Stop shuffling cash between apps. With Sequence, you design the flow once and it runs on its own. Start by linking your bank, card, brokerage, and wallet accounts. Pick a template (personal budgeting, debt-first, runway planning, profit-first) or build from scratch. On the flow canvas, draw paths from income sources to destinations, then add rules: percentages, fixed amounts, thresholds, and priorities. Choose when transfers fire—on deposit, on a schedule, or when a balance crosses a limit. Add caps, floors, and fallback accounts. Test the plan in a sandbox with historical data, then switch it on.

Daily use is straightforward. When money lands, Sequence executes your playbook. A paycheck can auto-fund bills, sweep extra to savings, invest a set slice, and hold back tax. For a business, each payout (Stripe, PayPal, marketplace) can be split to operating, payroll, tax, and profit buckets, then pay vendors by due date. Create guardrails: top up an emergency buffer before investments run, pause discretionary spends if revenue dips, or freeze new transfers while a card balance is above a limit. Get notifications for every action, or condense them to a single digest. Override any step with a tap—skip, retry, or move funds elsewhere—and Sequence learns from your edits.

Visibility and control are built in. Dashboards show where cash comes from and where it goes, by account, team, project, or product line. Track the metrics you care about—MRR, burn, CAC, savings rate, debt utilization—and pin them to a live board. Run divisional breakdowns to see which unit funds which expense. Use industry benchmarks to compare your position. Forecast the next 13 weeks (or 12 months) with scenario toggles: change revenue assumptions, add a hire, or shift repayment pace, then preview the effects on balances and transfers. A risk monitor flags anomalies (unusual merchant spikes, failed debits, duplicate invoices) and can halt routes until reviewed. Every action is logged with who, what, and when. Export data to CSV, your BI tool, or push it via API/webhooks.

Make it part of your routine. For month‑end close: reconcile inflows, sweep surplus into reserves, fund investments, and schedule next month’s payouts in one pass. For freelancers and creators: route each invoice to taxes, savings, retirement, and expenses; get alerts if the tax pot falls behind. For startups: enforce payroll first, keep runway above target, and stage vendor payments by priority. For teams: share specific routes, require approvals for large transfers, and lock critical rules. For individuals: split every card payment into categories, replenish sinking funds automatically, and fast‑track debt paydown without touching a spreadsheet.