About Patbudgets
Patbudgets helps Americans optimize personal finances using modern saving tools, simple behavioral techniques, and tailored strategies for short- and long-term goals.
- Founded: 2020 in San Francisco
- Focus: practical budgeting, automated savings, and retirement readiness
- Reach: Nationwide advisory resources and self-serve guides
Our mission
We make budgeting approachable and effective. By combining simple frameworks with modern fintech patterns, we help individuals steward money toward what matters most.
- Reduce financial friction with clear, repeatable habits
- Prioritize automated savings and low-friction investing
- Translate goals into monthly allocations
How we work
A three-step practical method:
- Assess cash flow and obligations
- Design automated savings buckets
- Track progress with simple dashboards
Meet the team
Small, practical team of finance practitioners, UX designers, and educators focused on usable advice and replicable saving patterns.
Pat Morgan
Founder & Chief Budget Strategist
Taylor Reed
Head of Research
Jordan Lee
Product & UX
Values
- Clarity over jargon
- Automation where it helps
- Plans that adapt to life
Case studies
Examples of measurable impact from practical changes:
- Young professional automates 30% of discretionary income — 18 months to emergency cushion
- Family reallocates subscriptions and saves for schooling — clear monthly buckets
- Near-retiree optimizes withdrawals and reduces tax inefficiencies
Frequently asked questions
We offer both self-serve guides and one-on-one consultations to tailor plans to your cash flow and goals.
Many guides are free. Paid services are clearly priced before engagement.
We follow industry best practices and link to our Privacy Policy detailing data handling.
Quick links
Resources & partnerships
We maintain a library of guides, calculators, and partner tools to reduce friction in saving and investing.
| Resource | Type | Use |
|---|---|---|
| Automatic Savings Checklist | Guide | Set up auto-transfers |
| Goal Bucket Planner | Worksheet | Allocate priorities |
| Tax-smart Withdrawals | Article | Retirement planning |
