Fractional Bill Pay — Break Your Bills Into Bite-Sized Payments

🚀 Now accepting early access signups

Turn big bills into tiny daily payments

Fractional breaks your monthly expenses into daily, weekly, or biweekly micro-contributions. When bills come due, the money is already there.

Join the Waitlist → See How It Works

$0 Late fees, ever

3 min Setup time

100% Bills on autopilot

9:41

Good morning,

Cam

Total saved this month

$1,847.32

↑ 94% funded

🏠

Rent $1,200

Due Apr 1 94% funded

🚗

Car Payment $285

Due Apr 10 78% funded

⚡

Electric Bill $160

Due Apr 15 62% funded

🛡️

Insurance $180

Due Apr 20 45% funded

✓ $40 saved today

🎉 Rent fully funded!

Backed by industry-leading partners

Plaid Stripe AWS Auth0 Dwolla

The Problem

Your paycheck and your bills are out of sync

You earn biweekly but bills hit monthly. That timing gap causes overdrafts, late fees, and constant stress.

78%

of Americans live paycheck to paycheck, struggling to cover monthly obligations

$170B

lost annually to late fees, overdrafts, and penalty charges in the US

56%

of adults can't cover a $1,000 emergency expense without going into debt

How It Works

Three steps to financial peace of mind

Set up in 3 minutes and never worry about a bill again

Link Your Bills

Connect your bank account and we auto-detect your recurring bills. Or add them manually in seconds.

→

Choose Your Rhythm

Pick daily, weekly, or biweekly micro-contributions that align with when you get paid.

→

We Handle the Rest

Money accumulates automatically. When bills come due, we pay them on time, every time.

The Difference

See the Fractional effect

Same bills, completely different experience

Without Fractional

Rent hits on the 1st -$1,200

Car payment on the 10th -$285

Electric bill on the 15th -$160

Late fee (overdrafted) -$35

Stress level 😱 High

→

With Fractional

Daily micro-contribution $58.17

All bills auto-funded ✓

Payments made on time ✓

Late fees $0

Stress level 😌 Zen

Features

Everything you need to master your bills

Smart tools that work around your schedule, not against it

💰

Micro-Contributions

Break any bill into daily, weekly, or biweekly amounts that feel effortless to save.

🔍

Smart Bill Detection

Connect your bank and we automatically find and categorize your recurring bills.

🔔

Overdraft Alerts

Get notified before your balance gets low. We'll suggest adjustments to keep you on track.

📊

Spending Insights

See where your money goes with clear breakdowns and trend analysis over time.

🔒

Bank-Level Security

256-bit encryption, SOC 2 compliant, and powered by Plaid for secure bank connections.

📅

Pay Schedule Sync

Contributions automatically align with your payday so you never over-extend.

Pricing

Simple pricing, no surprises

Start free and upgrade when you're ready

Free

$0 /month

Perfect for getting started with a few bills

Up to 3 bills tracked
Weekly contributions
Payment reminders
Manual bill entry
Community support

Get Started Free

Common questions

Everything you need to know about Fractional

You link your recurring bills (rent, car payment, utilities, etc.) and choose how often you want to contribute: daily, weekly, or biweekly. We automatically set aside small amounts each period, and when your bill comes due, we pay it on time using the accumulated funds.

Absolutely. Your funds are held in FDIC-insured accounts through our banking partner. We use bank-level 256-bit encryption, and our platform is SOC 2 Type II compliant. We connect to your bank securely through Plaid, the same technology used by Venmo, Robinhood, and Coinbase.

We'll never overdraft your account. If your balance is low, we skip the contribution and notify you. You can make it up later or adjust your schedule. Our overdraft protection feature (Premium) monitors your balance and pauses contributions automatically when needed.

Yes, you have full control. Pause, adjust, or cancel any contribution schedule at any time with no penalties. Your accumulated funds remain in your account and can be withdrawn or redirected to other bills.

Unlike a general savings account, Fractional creates purpose-specific "buckets" for each bill. Every dollar is earmarked for a specific obligation, and payments are automated. Think of it as a smart layer between your income and your bills that ensures the right amount is always ready at the right time.

Any recurring payment: rent/mortgage, car payments, insurance, utilities, subscriptions (Netflix, Spotify, gym), phone bills, student loans, and more. If it recurs monthly, Fractional can manage it.