A Forge Product  ·  Couples Biblical Finance

Manna

Budget what God provides.

"Give us this day our daily bread." — Matthew 6:11, KJV

Seven Covenants.
One Financial Life.

Not a checklist. A covenant journey from surrender to generosity — built for two.

Covenant One
Surrender
Acknowledge together that everything belongs to God. Establish giving as non-negotiable from day one.
"The earth is the LORD's, and the fulness thereof." — Psalm 24:1, KJV
Covenant Two
Clarity
Full financial honesty between spouses. No hiding, no shame. Two becoming one means the finances come into the light.
"Be thou diligent to know the state of thy flocks." — Proverbs 27:23, KJV
Covenant Three
Cover
Build a small emergency buffer so one unexpected expense doesn't derail everything or create conflict between you.
"There is treasure to be desired in the dwelling of the wise." — Proverbs 21:20, KJV
Covenant Four
Freedom
Attack debt together with intensity and unity. Celebrate every payoff as a couple.
"The borrower is servant to the lender." — Proverbs 22:7, KJV
Covenant Five
Strength
Build real savings, a fully funded emergency fund, and real margin in the budget.
"The thoughts of the diligent tend only to plenteousness." — Proverbs 21:5, KJV
Covenant Six
Build
Invest, grow, and prepare for the future God has for your family.
"A good man leaveth an inheritance to his children's children." — Proverbs 13:22, KJV
Covenant Seven
Overflow
Radical generosity. This is where the journey was always pointing.
"Give, and it shall be given unto you — good measure, pressed down." — Luke 6:38, KJV

Zero-Based Budgeting
For Your Marriage

EveryDollar shows you numbers. Manna asks you why — and helps you decide together.

Zero-Based Budget

Every dollar assigned a purpose before the month begins. God's provision, stewarded with precision.

Debt Snowball

Stonewall tracks every payoff date so you never have to calculate it yourself. Monday morning report, unprompted.

Shared Access

Built for two. You and your spouse see the same numbers, ask the same questions, make decisions together.

Conversational AI

Ask Frosty why you overspent. Ask Stonewall how fast you can be debt-free. Get real answers, not just charts.

Spending Insights

Patterns surface automatically. Know where your money went before you ask — and why it matters.

Sinking Funds

Car repairs, Christmas, vacation — named savings buckets so predictable expenses never surprise you.

Meet Frosty & Stonewall

Two AI agents. Two distinct roles. One mission — your family's financial freedom.

Financial Steward
Frosty
"Which of you, intending to build a tower, sitteth not down first, and counteth the cost." — Luke 14:28, KJV

Frosty oversees your complete financial picture — income, expenses, budget categories, spending patterns. Disciplined, precise, and stewardship-minded. Every dollar accountable. Every decision filtered through faithful provision.

Debt Elimination
Stonewall
"The borrower is servant to the lender." — Proverbs 22:7, KJV

Stonewall is relentless. Named after Stonewall Jackson — immovable against excuses. He tracks every debt, runs the snowball, and tells you your payoff date every Monday morning without you having to ask. Debt is the enemy. He pursues its elimination with military precision.

Manna Conversation — Frosty & Stonewall
M
We overspent groceries again this month. Why does this keep happening?
FR
You've overspent groceries 3 of the last 4 months — averaging $340 against a $280 budget. Looking at the pattern, the overruns happen in weeks 2 and 3, not week 1. That suggests the budget is calibrated for the beginning of the month, not the full cycle. Based on your actual spending, a realistic grocery budget for your household is closer to $325. Want me to adjust the category and show you where the $45 can come from without touching your debt snowball?
T
Yes — and how much faster are we debt-free if we protect that snowball?
SW
Stonewall here. Protecting the snowball at your current $400/month extra payment, you're debt-free in 22 months. If that snowball drops even $100, it becomes 26 months. The snowball is the non-negotiable. Everything else adjusts around it.

Peace About
Every Paycheck

The question every couple asks and no budgeting app answers: which check pays what?

Account One
Reserve

Your large and irregular bills — mortgage, insurance, property tax, the annual renewals that ambush a budget. Every paycheck deposits one level amount, so the money is already sitting there when the bill arrives. Manna calculates the deposit, tells you exactly what it takes to prime the account, and shows you the lowest balance you will ever hit and the day you will hit it.

Account Two
Operating

Everything else. Manna matches each smaller bill to the earliest paycheck that can carry it — always before the due date, always with buffer to spare. Pay early where early actually saves interest. Never trade a due date for it. Groceries, fuel, and giving are set aside first, so what you see is what you truly have.

When The Numbers Will Not Fit

Manna never quietly reshuffles your money and hopes you do not notice. It tells you which of two things is actually wrong — the money arrives too late, or there is not enough of it — and then it tells you what to do about it. Move a due date. Trim a category. Bridge one month. Call the creditor before the date, not after.

It will never once suggest you give less.

"Come unto me, all ye that labour and are heavy laden, and I will give you rest. Take my yoke upon you, and learn of me; for I am meek and lowly in heart: and ye shall find rest unto your souls. For my yoke is easy, and my burden is light."
— Matthew 11:28-30, KJV

How Manna Works

I
Create Your Household

You and your spouse each get a login. One shared budget, two perspectives, full transparency. Manna is built for a household — not a single user. Engaged couples: a dedicated engagement module is coming. Married couples start here.

II
Covenant One — Surrender

Before any budget math, you acknowledge together that everything belongs to God. Giving is set first. It cannot be moved or deleted. The spiritual foundation comes before the financial foundation.

III
Build Your Zero-Based Budget

Frosty walks you through every category. Every dollar of income gets assigned a purpose. Nothing left over, nothing unaccounted for. The counter turns green when you hit exactly $0.

IV
Enter Your Debts

List every debt — balance, minimum payment, interest rate. Stonewall sorts them and builds your payoff plan automatically. Your debt-free date appears for the first time.

V
Ask Anything

Mid-month overspend? Ask Frosty. Want to know your debt-free date if you add $200? Ask Stonewall. Get real answers from agents who know your complete financial picture.

VI
Progress Through the Covenants

Manna tracks your progress automatically. When the data says you've completed a Covenant, the next one unlocks. No self-reporting. Every completion is recorded — a living testimony of faithful stewardship.

Ready to Budget
What God Provides?

"Moreover it is required in stewards, that a man be found faithful." — 1 Corinthians 4:2, KJV

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