A budgeting app for tips, after tip-out and taxes.
No two nights pay the same, and tip-out comes off the top.
Log a night — wages, tips, tip-out — and see what you kept.
See what survives the card fee and tip-out, and what the fee costs a year.
The tax slice to set aside, with the “no tax on tips” math kept honest.
Budgets on your pay cycle, plus your runway to the next deposit.
Yes — free, no card. Pro is optional if you want 15× the Bread credits (1,500 a month), multi-bank tracking, and advanced analytics: $8.88/mo with a 14-day free trial, or $1 for your first year on yearly, then $88/yr.
No. You can log shifts and tips manually or import a CSV and still use the whole app. Bank sync with Plaid is there if you want it — and it is read-only.
Yes. You can track tip-out as a percent of your tips or a percent of your sales, so your take-home reflects what actually left your pocket.
It keeps the math honest: up to $25k of tips can be deducted from federal income tax for 2025–2028, but payroll tax and state tax still apply, so Breadmaxxer still helps you set the right amount aside.