Banking designed for real life
Take control of your finances with smart envelope budgeting, automatic savings, and banking that actually works the way you think.
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Your money, safeguarded • Launching 2026
Zero-based envelope budgeting: organize your money into 'cubbies' where every dollar has a purpose. See exactly what you can spend.
Set it once, and your paycheck automatically flows into the right cubbies. Bills get funded on time, savings happen effortlessly.
Whether you're neurodivergent, a budgeting beginner, or a financial pro, Cubby adapts to how your brain works.
Your money is protected up to $250,000
256-bit encryption and multi-factor authentication
Real-time notifications and instant transfers
Built by people who understand your financial struggles
Learn more about how Cubby works, security, features, and getting started.