Julian is a budgeting service designed to help people plan over multiple years rather than month to month. It builds a budget from a customer’s financial information, using linked bank accounts or uploaded exports, statements, and pay stubs. Its agent organizes and files transactions, prepares budget line items, and explains the decisions and assumptions behind each figure, with a source attached to every amount.

The service centers on one annual budget. Users review the plan with the agent and lock in the next year’s budget by January 15, creating a stable reference for measuring spending throughout the year. Julian then carries the plan forward across the current year and the following five years, using readable rules or formulas to project each line. Its calculations account for taxes and are designed to avoid counting amounts twice.

Budget areas shown include housing, children and family, travel and fun, food and dining, and savings. Julian is currently invite-only, and interested users can join its waitlist.