Turn big bills into tiny daily payments

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.

Fractional charges a flat 1.5% transaction fee on each contribution and bill payment. There are no monthly subscriptions, no plan tiers, and no hidden fees. For example, paying a $200 bill costs just $3.00 in fees. You only pay when you use the service.

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 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 Your accumulated funds remain in your account and can be withdrawn or redirected to other bills.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.