Spend less time, money, and effort on everyday life.
We look at how things really run, cut what doesn't help, and set up what's left so it's easy to keep up. Analyze & Optimize does that two ways: apps you use on your own, and on-site organizing where we come to you.
Apps to optimize your everyday life
Small, focused apps that show where your time and money actually go, and help you fix it. Simple, Private, and Fairly Priced.
A&O Budget: See where your money goes and where you're headed, months or years out.
See A&O Budget →On-site organizing for your home or business
A&O comes to you and works alongside you on closets, garages, paperwork, offices, and workflows, then labels everything so it stays easy to keep up.
As low as $100. Supplies at cost. No travel fee.
See organizing →Same three steps, whether it's your money, your time, or your space
Analyze
See what's really happening, not what we think is happening. Where does the time, money, or effort actually go?
Optimize
Cut what doesn't help, stop doing the same work twice, and set things up so everyday tasks take less time and effort.
Improve
Keep it getting better. Check how it's working, adjust as your life changes, and find the next thing to cut.
See where your money actually goes, and where you're headed.
A&O Budget turns your numbers into one clear plan: where every dollar went, what's left this month, when each debt is gone, and when you'll hit your savings goals. Project months or years out with one click. Private by design: your budget is locked so only you can open it. Not even A&O can read it.
Most budget apps want your bank password and charge $80 to $110 a year. A&O Budget never asks for your bank password. Try it free for 30 days with no card, then it's $5 a month or $50 a year.
Start from one bank file
Download your transactions from your bank's website as a CSV or QFX file (most banks offer one or both), drop it in, and see where the money went. Or type your numbers in yourself.
Your plan, paycheck by paycheck
Each bill sits in the paycheck that pays it, so you know what's left before payday. Or see the month as a calendar.
Look ahead
Project months or years out with one click. See where you'll be if nothing changes, and what a change does to it. Groceries and gas are never guessed. They show up when they happen.
Debt payoff plan
Compare highest interest first, smallest balance first, and what you pay now. See the month each debt is gone and how much interest you save.
Savings goals
Save for yearly costs like Christmas or car registration. The app tells you how much to set aside each month. When a debt is paid off, send that payment to savings in one click.
Your history
Past months and years stay put, so you can compare this March to last March.
Money moves
Each month the app suggests a few moves, like a better debt plan, and shows what each one saves. Every subscription shows what it costs a year.
What you can count on
- The app never asks for your bank password. You download a file from your bank yourself.
- Private by design. Your budget is locked so only you can open it. Not even A&O can read it. We never sell it or use it.
- No ads, no upsells. If a feature doesn't help you see or fix your budget, it doesn't go in.
- Free for 30 days. No card needed to start. Then $5 a month or $50 a year, with every future update and new feature included.
What it doesn't do
- It doesn't connect to your bank automatically. You bring in a file when you want to update.
- There's no phone app. It runs in your web browser. Log in from any computer and pick up where you left off.
- We can't reset your budget for you, because we can't read it. Keep your recovery key somewhere safe.
We'd rather tell you up front than have you find out later.
A&O Budget is part of A&O Life, a growing set of focused apps, and Budget is the first. Every one is built the same way: Simple, Private, and Fairly Priced.
Hands-on help getting your home or office in order
A&O comes to you and works alongside you. We set up the space so it's easy to keep up, bring the containers, dividers, and labels, and label everything so anyone can find it.
Homes
- Closets and rooms
- Kitchens and pantries
- Home offices
- Bathrooms and linen closets
- Kids' rooms and playrooms
- Garages and storage
- Paperwork and filing systems
Businesses
- Desks and workspaces
- Offices and filing systems
- Supply rooms and stockrooms
- Setting up the workflow so things land where they belong
To book, email us at misty@analyzenoptimize.com.
Built by people who cut waste for a living
We started Analyze & Optimize in 2022 with one goal: help people spend less time, money, and effort on everyday life, and skip anything that doesn't add real value.
Nick
Nick has spent more than 20 years in manufacturing and engineering, helping factories do the same work in less time and at lower cost. The A&O Budget app is built the same way: find where your money really goes, then fix what isn't working.
Misty
Misty does the hands-on organizing. She works in people's homes and offices and builds systems simple enough to keep up after she leaves. She's also Vice President of Dogtree Pines Senior Dog Sanctuary.
Email us. A real person answers.
Organizing
Tell us what space you'd like help with and roughly where you are.