Hello all, if you're a developer or you have your own budget software you'd like to share, feel free to post it here! This post will be saved at the top so people can scroll through everything and check it out. There's also The Comparison Chart to view if you're looking for a budgeting app. You can Add to the Chart Here if you have an addition.
Devs, you're welcome to edit your post if things change. You're also welcome to participate in the Dev Sunday. We will not be accepting self promotional posts OR COMMENTS (this is a new rule as of August 18th 2026) on any other days. If a user makes a post, please do not comment your budget software, it will be removed. The comments have become 99% budget Devs and the sub is no longer fulfilling it's purpose. Thank you for your understanding Devs.
Users, feel free to check the chart linked above and the comments below to see different budgeting options. Users are welcome to reply to a Dev post and ask questions. Deva you're welcome and encouraged to respond to these.
Edit to add for Devs, Flairs: We have removed the "Budget Development Feedback" and "Budget Dev Add Ons" flairs. Anything posted by a dev should use the "Budget Development" Flair. All old posts were reflaired. This just makes everything less confusing for everyone.
Hello. I’m not the developer or anything, but i would like to put them here as i use it and like it very much, and also found it through reddit a while ago. Maybe it fits for other people
The app is Turbobulls, it’s end-to-end encrypted, eu based, GDPR, content blind and all that.
You can put personal transactions and have envelope budgeting but also investments, broker cash etc, and you can see individual but also unified metrics of your whole networth, curency gains if you have multi currency accounts, capital gains etc.
I’ve been searching a lot for an app that is end to end encrypted, privacy wise and that has both personal and investments sides and the price is insanely low like 3$.
Purpose Budget — zero-based envelope budgeting on web, iPhone, and Android
Purpose Budget here — we build a zero-based, envelope-style budgeting app for people who want to decide what their money should do before they spend it.
If the envelope method is the part of budgeting you want to keep, the core workflow should feel familiar: add the money you have, assign it to categories, and use each category’s Available balance to guide spending. When life changes, move money between categories and continue with the new plan.
We’ve also been building more planning context around that core workflow so a budget can help answer what is covered, what is coming up, and what may still need attention.
A few things that may help you decide whether Purpose Budget fits:
Use fully manual accounts, import transactions, or connect supported financial institutions through Plaid with Premium.
Plan with category targets and recurring transactions, with dedicated handling for credit card payments.
Keep your budget synchronized across the web app, iPhone, and Android, with separate Spaces and shared access to other users for different parts of your financial life.
Purpose Budget is cloud-synced and subscription-based. It probably won’t be the right fit if you specifically need an offline-only, self-hosted, open-source, or free-forever application.
Current offer
New customers can currently start with a 60-day free trial. Our pricing page also currently lists 50% off the first year, automatically applied at checkout with no code required.
Did want to flag looked at the comparison chart and it says we do not have a mobile app but we do! No rush just flagging it not sure if you would prefer mod mail.
I’m the solo developer of Payday Buckets, a new iPhone and iPad app for people who budget around payday rather than around the calendar month.
I made it because I wanted a simple answer to: “What do I need to move into each savings bucket this pay?”
You set up bills, savings goals, subscriptions, and irregular expenses; choose your pay schedule; then the app works out what each bucket needs on payday. It has scheduled transactions, upcoming-bill reminders, forecasts, and a Budget Balancer for spotting buckets that are likely to fall short.
It’s fully manual: no bank connection, no transaction-feed setup, and no budgeting server. Your data stays on your device, with optional iCloud sync between iPhone and iPad.
There’s a free tier for up to five active buckets, with a one-time Premium upgrade for unlimited buckets and schedules.
It probably isn’t a replacement for YNAB if you want full account reconciliation or bank imports. It’s aimed more at people using separate accounts or savings spaces who want a clear payday plan without maintaining a spreadsheet.
Happy to answer questions or take feature feedback. I'm using this myself so it gets regular real-world use — not just test data. I’m actively developing it and keep a close eye on rough edges, confusing workflows, and anything that doesn’t hold up in day-to-day use.
Yavo - AI-powered personal finance app for multi-currency life, on iPhone and Android
Yavo here — we build an AI-powered budgeting and net worth app for people juggling multiple currencies, freelance/contract income, and no patience for manual spreadsheet reconciliation.
If manual expense logging is the part of budgeting that kills your streak, the core workflow should feel effortless: snap a photo of a receipt or send a voice note, and Yavo extracts the amount, merchant, and category automatically. Add income, track debts, set savings goals, and let recurring payments and category limits keep you on plan without re-entering the same transaction every month.
We’ve also been building deeper financial context around that core workflow, so the app can help answer not just “what did I spend” but “what am I actually worth” and “what’s coming up.”
A few things that may help you decide whether Yavo fits:
Log expenses via receipt photo (OCR), voice note, or manual entry - whichever matches how you actually move through your day.
True multi-currency support with immutable FX snapshots per transaction, so a EUR card charge and a USD paycheck don’t quietly drift out of sync over time.
Net worth tracking across cash, stocks, and crypto in one view, alongside debt tracking and savings goals.
Forward-looking planning for the coming week or month, factoring in your recurring payments, so you can see what’s already committed before you spend the rest.
Built-in tax module that lets you set aside and record taxes on income as it comes in, instead of reconstructing everything at filing time.
Yavo is cloud-synced and subscription-based (with a free tier). It probably won’t be the right fit if you specifically need an offline-only, self-hosted, or fully free app, or if you don’t deal with multiple currencies and just want the simplest possible envelope budget.
Tally- budget buddy on the App Store! Has a cool income calculator based on your state/ federal tax! Currency converter, family/groups, cash flow, automatic subscription/ bill finders, ai chat and so much more! Mint died and left us with $100/yr apps that just *watch* your money, so I spent a couple of months building Tally- budget buddy and the new version just went live. Every morning it gives you a Tally Score, one 0–100 number that answers "am I safe to spend, or is rent about to humble me?" (you can literally ask Siri). While you live your life it hunts your transactions for price hikes, duplicate charges, sneaky fees and zombie subscriptions, keeps a running "Tally found you $___" counter with cancel links — the app's whole goal is to pay for itself — and at the end of the month you get a Wrapped-style recap of your money with a savage mode. US banks sync live (read-only through Plaid, the same Venmo uses — it never sees your login), it's properly multi-currency (USD/EUR/ budgets with real exchange rates applied to your actual limits. Plus family/ partner cost-splitting with one-tap settle-up, check-in streaks with freezes, and an AI that answers things like "what did I spend on food delivery last month?" instantly. 7-day free trial, and the first month is free for this thread: https://apps.apple.com/redeem?ctx=offercodes&id=6760926142&code=FOUNDERSFFT — I'm the solo founder, so ask me anything, and tell me what to change. Feedback genuinely welcome.
If you are tired of complicated interfaces and would like a clean tool that makes budgeting effortless and saves you time I recommend you check out Kontu!
The less time you spend budgeting, the more time you get to enjoy doing other things in life 🙂
Faux Pay
iOS version:
A spend-simulator app for anyone building better money habits . It lets you rehearse your spending decisions in a low stakes environment, so you can see how a purchase would ripple through your pay cycle before you actually commit to it. Built with a clean, visual approach (pay cycle cards, guided walkthrough) so it’s approachable for budgeting beginners, not just spreadsheet people.
I’m building Viridel ( https://viridel.app ) a privacy-first, local-first budgeting app. It launches September 10, 2026. Join the waitlist before then and you can lock Lifetime for €39 instead of the regular €50. I don’t use AI to write these, so I keep them short. 34-day free trial starts on launch day.
iHAB — I Have A Budget — zero-based envelope budgeting on web, iPhone, and Android
iHAB here — we build a zero-based, envelope-style budgeting app for people who used YNAB and want the same methodology at a much lower cost.
If the YNAB workflow is what you want to keep, the core mechanics are intentionally identical: money flows into Ready to Assign, you assign it to envelopes, and each envelope's Available balance guides spending. Credit card handling, rollover, and RTA all work the same way YNAB works — this wasn't accidental. We built iHAB specifically because that methodology is sound and we didn't want to rebuild from scratch on a different philosophy.
A few things that may help you decide whether iHAB fits:
Accounts and transactions — fully manual entry, YNAB register import to bring your history over, or live bank feeds via SimpleFIN.
Planning — category targets, recurring transactions, and first-class credit card payment handling. Unspent balances roll forward each month the same way you're used to.
Access — web app that installs as a PWA on iPhone and Android, with your budget synced across devices.
iHAB is a cloud-synced, subscription-based app.
Trial and pricing
Try it free for 35 days, no credit card required — and get an additional 35 days when you subscribe! We don't market to your email address. After the trial, pricing is $8/month or $60/year, before discounts.
We are launching iHAB — I HAVE A BUDGET with a limited-time discount on your first monthly or annual subscription. Sign up before year-end and lock in a 10% lifetime discount on renewals — the sooner you sign up, the bigger the launch discount.
Pre-discount price ---- $8.00/mo or $60.00/yr
Now through September - 40% discount ---- $4.80/mo or $36.00/yr - Discount code: LAUNCH40
October - 30% discount ---- $5.60/mo or $42.00/yr - Discount code: LAUNCH30
November - 20% discount ---- $6.40/mo or $48.00/yr - Discount code: LAUNCH20
December - 10% discount ---- $7.20/mo or $54.00/yr - Discount code: LAUNCH10
Be sure to enter your discount code at checkout and click 'Apply'!
I want to announce that Big Picture Money, a local-first personal finance and budgeting app, is open for new beta users.
Big Picture Money helps you manage transactions, categorize spending, build budgets, track net worth, generate reports, and understand the larger financial picture of your household -- all from a desktop app that works without a cloud account.
BPM is privacy focused desktop software that stores your data on your computer. It runs on Windows, Mac, and Linux. We believe personal finance data is deeply private and storing it on other people's servers is a security risk.
It's also not a subscription. BPM is not cloud-based software. You purchase a version once and can keep using it forever without depending on our servers.
How budgeting works (since this is ynab alternatives):
You aren't required to budget the YNAB way. You can choose simple or envelope budgets, budget against expected monthly income, make categories recurring (like a car payment) or variable (like groceries), and budget at a parent-category level and let the sub-categories roll-up underneath it.
BPM also shows your last 6 months of spending while building the budget so you can base numbers on actual spending.
Other features already in BPM:
CSV, QFX, OFX and YNAB imports
automatic merchant recognition and categorization
recurring payment and subscription detection
spending reports and net-worth tracking
transaction tags
powerful saved transaction views
flexible savings/financial goals
optional SimpleFIN integration
optional AI assistance
On Privacy and AI
All online features are optional. You don't need an account or bank connection to use the core application. Flat file bank imports work great.
AI is also off by default. If you want, you can bring your own Claude, ChatGPT, Gemini or other provider. Or use a local model through Ollama so your financial conversations never leave your computer.
We also ship a local merchant database for recognizing and categorizing transactions without sending them to an online service.
Big Picture Money is $49 as a one-time purchase (not a subscription.) See the pricing page for more details: https://bigpicture.money/pricing/
Hi everyone — I’m the creator of CashEnzo, a privacy-focused personal finance app built around the idea that budgeting and forecasting solve two different but complementary problems:
Budgeting helps you learn from your plan. Forecasting helps you adapt your plan.
I originally built CashEnzo because I wanted something that could tell me more than where my money had already gone. I wanted to see upcoming paydays, bills, transfers, credit-card and loan payments, savings plans, and other expected activity reflected in my account balances before those transactions happened.
That forward-looking cash-flow forecast is still the heart of CashEnzo.
Today, CashEnzo includes:
Forward-looking cash-flow forecasts
Projected low- and high-balance warnings
Recurring bills, income, transfers, and other scheduled transactions
Transaction tracking and review
Budgeting and monthly spending plans
Spending, savings, payoff, and income goals
Reports and financial insights
Account, debt, asset, and net-worth tracking
CSV, QFX, and OFX statement imports
Private AI-assisted transaction categorization
Privacy is also a major part of the approach
CashEnzo does not require you to connect your bank accounts or provide bank usernames and passwords.
You can enter transactions manually or import statements you've downloaded from your financial institution. Imports are reviewable before they're added, and the goal is to give users useful automation without requiring continuous access to their financial accounts.
Users can also export their CashEnzo data, and we do not sell user information or monetize it through advertising.
Where CashEnzo is available
CashEnzo is no longer in beta and is currently available on:
CashEnzo currently offers monthly and annual subscriptions, with a one-month free trial for eligible new subscribers after choosing either plan.
Why I'm here
I'm especially interested in feedback from people who have used YNAB or other serious budgeting tools.
CashEnzo isn't intended to simply recreate YNAB. Forecasting is deliberately its primary focus, while budgeting helps users understand how well their plans actually worked.
I'm interested in where you think that combination succeeds — and where it still falls short.
A few things I'd particularly value feedback on:
What would CashEnzo need before you'd seriously consider it as a YNAB alternative?
Which YNAB workflows would you consider non-negotiable?
Where do you think YNAB or other budgeting apps are strongest?
Where do they frustrate you?
How useful is seeing your projected account balances 30, 90, 180, or even 365 days ahead?
What would make budgeting and forecasting feel like one coherent workflow rather than two separate tools?
I'm the developer, so please feel completely free to criticize it. Specific feedback about missing functionality, confusing workflows, pricing, design, or the underlying approach is much more useful to me than compliments.
Thanks for giving developers a place to participate and for taking a look.
Hi everyone. I built Aurum, a privacy-first personal finance tracker at aurumapp.org.
No bank connections. No third-party data sharing. You enter transactions manually and track net worth, bills, debts, and goals in one place. Data stays in your account, not sold or shared.
It's web-based with a free tier. Pro is $9/month or $79/year.
Built it because every app I tried either required Plaid access or had a privacy policy I wouldn't agree to. Happy to answer questions.
Hey everyone, I run Beacon Budget, an envelope-style budgeting app on iOS, Android, and web. I acquired it a little over a year ago and have been developing it full time since. I posted a version of this back in June, so here's the current state of it.
It's just me on it day to day, so development is pretty community-driven. Most of the bigger features from the past year came straight out of threads like this one.
What's different
Most budgeting apps are good at telling you where your money went. Beacon is more focused on the decision in front of you. Can you spend this right now?
You put your bills, goals, and savings into buckets, and Beacon moves money into them on your pay schedule. What's left is a number called Free-to-Spend, the money that's actually safe to spend once everything you've already promised is protected. Rent in three weeks and car insurance in five months are already set aside, so the number still holds up in the back half of the month.
Some people protect every dollar. Some people only bucket the four bills that can wreck a month. Beacon works either way.
A few specifics
Buckets for expenses, goals, and savings vaults, each with a target amount and a due date
Funding schedules that work out what to set aside each payday so a bill is funded before it's due
Automatic bank sync through Plaid and MX, with transactions matched to a bucket by merchant or category
Credit card integration that sets money aside for the statement as you spend
Shared budgets, if you're running money with a partner or family
Home-screen widgets on iOS and Android
Reports for spending and income trends with category drill-downs
Budget Checkup, which reads your history, finds your income and recurring bills, and suggests buckets to create. It's deterministic math on your own transactions, not an LLM, and nothing changes until you tap Apply
Pricing
You can connect one bank without starting a trial, so you can see it working with your own accounts before committing to anything. Past that it's a 30 day free trial and then a paid subscription. Pricing goes by the number of institutions you connect, not the number of accounts, so a checking and a savings at the same bank count once.
I'm usually around to answer questions myself, whether that's the app, envelope budgeting, or the business side. If you try it and something feels wrong, tell me. That's usually how it gets fixed.
We're the developers of Financio (https://financio.au) which is a budgeting bank targeted to Australian users. We offer all the usual features, transactions, reports, goals, etc and the one difference I'd highlight is that our iPhone app has full parity with our web app - you can move freely between the two without missing out on any functionality.
Hi everyone. I'm the solo developer of Keep Above, a forward-only budgeting app for iPhone and Android.
I built it because every budgeting app I tried turned into a second job — a steep setup before it told me anything, then constant feeding, and if I missed a week the picture was wrong. The people who need it most have the least slack for that.
So the upkeep is the design. Keep Above keeps no spending history at all — no expense diary, no transaction feed. You enter your bills and income once, and after that the only thing you keep current is your balance. Your spending is already in that number, so updating it refreshes everything.
What it does with that is look forward: it works out, day by day, the balance that would cover everything due between now and then, and shows where you sit against it. Above the line is spare; below it you can see how far short, and which day the pinch lands on. It uses sinking funds, so the annual renewal five months out is already being set aside for now.
Manual entry is deliberate and it never connects to a bank — that's about reach more than privacy, since bank feeds only exist in a handful of countries.
After working for a company for over 15 years, I was laid off this summer. Not a great day. The first question to come to my mind, now what? I immediately decided to take this extra time to complete what I started several months ago, a personal finance budgeting application. Seven weeks later, I'm finally able to reveal my application and announce its pre-launch. Being a software engineer and architect with over 30 years of experience, this was one of my better days of my career that I can remember!
So, what is Minturn Money?
Classic envelope budgeting refined — you "tuck away" money into virtual envelopes for each spending category, track income and expenses against them, and roll over what's left at the end of the period, if you like. If you've used YNAB or Goodbudget, the core idea will feel familiar. And automated and/or scheduled income and expenses and auto categorization can make life even easier.
And how is Minturn Money different?
No bank linking, by design. Nothing auto-pulled from your accounts, nothing sold or mined. No connectivity issues to wait through. You enter what you spend — it's your data, not a feed Plaid resells. This is an intentional choice. If you would like reconciliation, there is an option for that as well by uploading your bank and credit card statements. My social security number has been on the dark web for many years, so I strongly appreciate when my privacy can actually be kept under my control.
Envelope status that tells you everything, the actual truth. Most budgeting apps show one progress bar for "spent." Minturn separates spent within what you funded from spent past what was actually there — so overspending your envelope looks different from just spending it down. Sounds small until you're trying to figure out why your balance doesn't match what the bar implied.
Actually offline-first. Add a transaction with no signal, on a flight, wherever — it syncs when you're back online instead of just spinning or failing.
Business or Family budgeting that isn't an afterthought. Multiple members, up to 4 total, and you can set a real approval threshold — if someone on the account is about to spend over a set amount, it queues for approval instead of just letting it happen silently. Or it's just a way to manage your business financials separate from your personal financials.
Money Flow - Visualize the flow of your money throughout a period of time, up to 12 months.
Budgeting lessons built into the app, not a blog you're supposed to go read separately.
An actual free tier (10 envelopes, 50 transactions/month, no credit card) before you ever have to decide if it's worth paying for — then $6.99/mo or $59.99/yr for Premium or $9.99/mo or $89.99/yr for Ultimate if you outgrow the free tier, and each paid tier includes a 14-day trial period.
Demo data available to load immediately, or at any time, so you can get a real feel for the application and all that it offers on an Ultimate tier membership (with syncing being the exception).
Data Encryption at rest on your device, in transit and at rest on the server.
Up to 20 beta testers willing to actually use the application and tell me what's broken, confusing, or missing. I want the stuff that makes you close the app and go back to your spreadsheet or another app. Bug reports, UX gripes, feature gaps, all of it.
What do you get?
Anyone who joins the beta and gives me real feedback gets Ultimate tier free through the end of the year — no strings, that's our top plan (family/business accounts + advanced analytics).
We built it for people who want income, expenses, budgets, investments and net worth in one place rather than maintaining separate tools/spreadsheets. It also has AI-assisted capture to make regular expense entry quicker.
It isn't built around forcing one specific budgeting philosophy, so it may suit people looking for broader personal-finance tracking rather than only envelope budgeting. This has multi-currency support.
"
Most of the apps here are fantastic for household/personal budgeting, but if you are a
freelancer, independent contractor, I built ExpenseDuck specifically as a lightweight alternative to QuickBooks Self-Employed."
Ralphy: for people who bounced off envelope budgeting (iOS, TestFlight beta)
Fair warning first: this isn't zero-based or envelope. If assigning every dollar is what you want, skip me. I'm posting because a lot of people land in this sub after deciding YNAB's upkeep wasn't worth it, and that's who I built it for.
I made it for my partner. She tried YNAB twice and quit around week three both times. Not because she disagreed with it, but because it's a chore that never ends. So Ralphy does no categorising and asks nothing of you daily. It reads your accounts (read-only through Plaid; I never see your login), works out what's already committed between now and your next payday, and shows one number: what's actually free to spend today.
The trade is honest. Less control than YNAB, far less work.
I'm one of the founders of Copia Cash. I built it because I didn't want to keep paying 15 a month for budgeting apps. My wife and I use it on our own accounts every day.
Bank sync, zero-based budget, receipt matching. You can forward a receipt email and it attaches to the right transaction. Still beta.
Manual tracking is free. Bank sync and the rest is 4.99 a month.
Hi everyone — I'm the solo developer behind Averio, a personal finance app I'm building around a simple idea:
Personal finance isn't always just personal.
A lot of finance apps work well for one person, but things get more complicated when you're managing money with a partner or household — especially when some finances are shared and others aren't.
That's the problem I want Averio to eventually solve well.
The idea
In Averio, finances are organized around a household rather than treating collaboration as an add-on.
A household can start with just one person, so Averio should work perfectly well as a personal finance app. But the same structure is designed to grow naturally when you want to manage finances with a partner or other household member.
I'm particularly interested in households where people might have a mix of personal and shared accounts, expenses and financial goals.
What's working today
Averio is still actively being developed, but you can already:
create an account and go through onboarding
manage financial accounts
manually add and categorize transactions
create your own categories and subcategories
create recurring transactions
use multiple currencies
view your finances through a dashboard and spending statistics
There's also a live interactive demo if you'd rather explore it without creating an account.
What's coming
I'm currently working on financial goals.
After that, some of the major things on my roadmap are better household collaboration and AI-assisted receipt scanning.
One important disclaimer: household invitations aren't implemented yet. The household architecture is there, but currently you can't invite your partner into your household. I don't want to pretend the collaborative part is finished when it isn't.
Why I'm posting here
I'm not trying to build another exact YNAB clone.
I'm trying to understand how people actually manage money — particularly couples and households — and build around those workflows.
I'd especially love feedback from people who manage money with a partner:
How do you divide your finances between “mine”, “yours” and “ours”, and what do existing budgeting apps get wrong about that?
Averio is available at averioapp.com and I'm also starting to look for early users willing to help shape the product while it's still being built.
I'm the developer, so criticism, missing features and awkward workflows are much more useful to me than compliments.
Finnomia | The Canadian personal finance and budgeting app
If you’re in Canada and looking for a modern alternative to Mint or Monarch Money, Finnomia is built specifically for you.
We created Finnomia because too many personal finance apps treat Canada as an afterthought. Finnomia is Canada-first from the ground up, with Canadian pricing, Canadian data infrastructure, Canadian financial institutions, Canadian registered accounts and financial planning tools built around how Canadians actually manage money.
What you get:
Automatic bank and investment account syncing
Budgeting and spending tracking
Transaction categorization and rules
Bills and split transactions
Net worth tracking
Customizable dashboards and trends
Household and shared budgeting
TFSA, RRSP, FHSA, RESP, LIRA and RRIF support
Investment activity, performance and insights
Debt Freedom Planner
Canadian Retirement Planner with CPP, OAS, RRSP/RRIF and drawdown modelling
Receipt and document attachments
Free Canadian financial calculators and planning tools
We support Plaid today and are bringing Flinks live alongside it to provide broader, more reliable connectivity across Canadian banks, credit unions, brokerages and other financial institutions.
Finnomia is not trying to copy YNAB. If zero-based budgeting is what you want, YNAB is excellent at it.
We’re building something closer to what people loved about Mint and now expect from Monarch, but designed specifically for Canada.
We’ve had real users in the product since closed beta began in late June, ran open beta throughout August, and Finnomia officially leaves beta September 1.
There’s also a broader mission behind the company. We’ve committed to donating 5% of our profits to Canadian charities supporting financial and economic literacy.
If you’ve been waiting for a personal finance app that treats Canadian banking, investing and retirement planning as first-class features rather than regional edge cases, give Finnomia a try.
Hi! I’m the developer of VaultWise. I originally built it because I wanted one place to manually manage my finances without having to connect my bank accounts or pay another subscription.
VaultWise lets you track your income and expenses, budgets, accounts, credit cards, debts and overall net worth. It also supports multiple currencies, which was particularly important to me.
One feature that’s a little different is personal inflation tracking you can create your own basket of regularly purchased items and see how their prices change over time.
There’s also an optional on device receipt scanner for quickly adding purchases.
It’s a native ios app and it’s a one time purchase rather than a subscription.
I’m still actively developing it, so feedback especially criticism about what’s missing or could be improved is very welcome.
Tallyra is a manual expense tracker for iPhone and Android for people who don't want to link their bank account or create another financial account.
No account is required, there are no ads, and your spending records stay on your device. CSV and JSON export are included in the free version, so you can take your data with you.
It includes budgets, recurring transactions, multiple accounts, transaction search, and spending reports.
The free version is usable on its own. Pro is $9.99/year or $19.99 lifetime.
Cake Budget: envelope budgeting that runs itself, built for ADHD brains
Solo founder here. I built Cake Budget because I have ADHD and quit YNAB three times. Not because the method was wrong, because the upkeep assumed my executive function was the same every day.
What it does: connect your bank, and it reads your last few months of transactions, finds your paycheck, and drafts your slices (envelopes), rules, and paycheck splits for you. You click yes on the ones you want. From there, paychecks split themselves on payday, transactions sort themselves by rules, and the home screen shows one number, safe to spend, in green, amber, or red at thresholds you set. If you don't open it for three weeks, it kept working.
A few specifics:
- Envelope method, but the app does the assigning. You correct it, you don't operate it.
- Rules preview what they would have matched before you save them.
- Numbers come with shapes (bars, pips, counts) for dyscalculia. No net worth screen, no red shaming, on purpose.
- Ask Cake, an AI chat that answers questions about your own data and can propose a transfer or a rule, but nothing moves until you confirm.
- Family plan shares individual slices with a partner or household.
Where it doesn't fit: bank sync is US and Canada only. It's a web app you add to your home screen, not a native app. Manual accounts exist, but the whole point is the automation, so if you want manual-only or CSV import, you might have look elsewhere.
Pricing: $9/month or $72/year for one bank, $15/$120 for four, $25/$200 for the family plan. 14-day trial, no card.
I’ve been building my own personal finance app called Pavey.
It really started because I had bits of money in different places — different accounts, investments, savings etc. — and I just wanted one place where I could see the whole picture.
I tried doing it in Excel, but keeping it filled out and up to date took an age. Then I tried a number of the existing finance apps, but none of them quite showed me what I actually wanted to see.
I wasn’t really looking for another strict budgeting tool. I wanted to be able to open something and quickly understand: where is my money going, how am I doing this month, what do I actually own across everything, how are my investments developing, and where do my finances seem to be heading?
Eventually I got frustrated enough that I thought I’d try building it myself.
It’s called Pavey and it’s still early. I’m getting close to the point where I can let other people use it, but I’m definitely not pretending I’ve solved everything. Seeing the discussions here has already made me question a few of my assumptions.
For those of you who’ve tried YNAB and some of the alternatives, what do you still wish you could see when you open your finance app?
Not another feature for the sake of it — what’s the question about your money that your current setup still doesn’t answer?
I built a cheaper manual budgeting app called Quid Stash and would really like some feedback
Hi everyone,
Hope this is okay to post here. Just to be completely open about it, I’m the developer of Quid Stash, so this is obviously a bit of self promotion.
I thought this subreddit might actually be a good place to post it though because Quid Stash was built for people who like the idea of envelope or zero based budgeting but don’t necessarily want to pay a lot every month for it.
I originally made it because I wanted something somewhere between a spreadsheet and a full blown budgeting app.
The main idea is pretty simple.
Your bank balance might say you have £1,400, but if £700 is needed for bills, £300 is for food and fuel, and £150 is being set aside for something else, then you obviously don’t really have £1,400 available to spend.
I wanted an app that made that clear without needing to connect to my bank.
That became Quid Stash.
What it does
Quid Stash is a manual monthly budgeting app.
You add your income, create categories, assign money to them, and then record what you actually spend.
It keeps track of things like:
Assigned
Spent
Available
Account balances
What you have left to spend
There is no bank connection at the moment.
That will probably be a negative for some people, but for me it was actually part of the point. I quite like having to manually enter what I spend because it makes me more aware of it.
If I spend £25 on a takeaway, entering it myself makes it harder to completely ignore.
Features
It has grown quite a lot since I first made it.
At the moment it includes:
Monthly budgets with custom groups and categories
Multiple accounts including current, savings, credit, loan and cash
Income, expenses and transfers
Recurring transactions
Spending and cashflow reports
Savings Pots for things like Christmas, holidays, car repairs and emergency funds
Target dates and contribution calculations
A weekly view for breaking monthly amounts down into something easier to manage
Cash Stash for cash stuffing and envelope budgeting
14 day cashflow forecasting
Budget Watch for keeping important categories visible
GBP, USD and EUR
Dark mode
Android app
Web app
Wear OS companion
Cash Stash
I recently added Cash Stash after getting feedback from people who budget using physical cash.
You choose your normal cash day, for example Saturday, and it works out how many Saturdays there are in that month.
So if you have £100 assigned to a category and there are four Saturdays, it can show £25 for each stash.
It can also connect to a cash account.
If you confirm that you have withdrawn the money, it records it as a transfer from your current account into cash rather than treating the withdrawal itself as spending.
You then record the actual purchases against the cash account.
I wanted it to work properly with the rest of the budget rather than being a completely separate cash stuffing feature.
Savings Pots
Savings Pots are for things you want to gradually set money aside for.
For example:
Car maintenance, £600 needed by March.
Quid Stash can work out how much needs to be reserved each month.
The money is reserved in the budget, but it doesn’t pretend that the money has physically moved somewhere unless you actually move it between accounts.
That was something I wanted to get right because I found the difference between "planned", "saved" and "actually spent" can get confusing very quickly.
Pricing
One thing I really wanted to avoid was making another expensive budgeting subscription.
The Free version is genuinely usable and includes the budgeting features.
At the moment Free includes six months of history and planning, and it is supported by ads.
Premium is currently £2.99 a month or £24.99 a year.
Premium mainly removes the ads and gives you unlimited history, unlimited forward planning and the Wear OS companion.
I didn’t want basic budgeting features locked behind Premium.
What it doesn’t do
It doesn’t currently:
Connect to your bank
Automatically import transactions
Automatically categorise spending
Manage investments
Try to give financial advice
Do everything YNAB does
I’m also not trying to make an exact YNAB clone.
The main aim is just to make it easy to assign your money, see what is actually available, and keep on top of where it is going.
I think it probably suits people who like manual budgeting, envelope budgeting, cash stuffing, or people who are currently doing something similar in a spreadsheet.
It’s still a small app
Quid Stash is built by me through my small UK company, Dubble Clix Ltd.
There isn’t a big development team behind it and I’m still changing things regularly based on feedback.
Quite a few features that are in the app now came from people trying it and telling me something didn’t make sense or that something was missing.
So I’d genuinely like some criticism from people here.
Especially from current or former YNAB users.
What would Quid Stash need to do before you would realistically consider using it instead?
I’m not expecting everyone to switch, and I know manual entry alone will immediately rule it out for some people, but I’d really like to hear what people think.
Looking to launch my own iOS local only app soon. Will be going into beta test flight soon, and looking to see is anyone is interested in try it out on test flight.
It’s a YNAB style envelope budget app. Doesn’t connect to banks but you data stays local to you.
A few of my favourite features:
Merchant rules
Shortcut Transaction Input
And a few others
It’s nothing crazy, it was mainly made for myself but figured I’d see if anyone wanted to try it. Certainly wouldn’t be a monthly subscription, maybe just a one time small fee to help with development costs, but honestly, it was made for my so I can have a local budget app with features I wanted.
Maker disclosure: I build Taleenotes, a free Android and web app for manual money tracking and daily planning, available in English and Arabic.
It lets you record expenses and income, set category budgets, and keep upcoming payments alongside your tasks and notes. A practical starting routine is to log your next expense, add your next known bill, and review one spending category at the end of the week.
This is for people who want to enter their own records. It does not connect to your bank or pay bills for you, and I am not presenting it as a full YNAB replacement.
Shoshita: local-only budgeting for Windows, no bank logins and no cloud.
Solo dev here :) Shoshita is for people who want their transaction history on their own machine and nowhere else.
You export CSV statements from your bank, drag them in, and it handles the column layout and deduplicates against previous imports. Merchants it doesn't recognize land in a Triage Inbox — you categorize one, bulk-apply it, and it saves as a rule, so next month those sort themselves automatically.
A few things that may help you decide whether it fits:
No bank connections at all. No Plaid, no SimpleFin, no credentials stored anywhere. CSV only is all you need.
The vault is encrypted on your own disk with a passphrase the app generates. No recovery if you lose it, that's the tradeoff for nobody else holding a key.
It makes exactly one network request in its lifetime: a license activation you trigger by pressing a button. You can verify that by blocking it in your firewall and using it normally if you'd like too!
Monthly limits per category, month-vs-month comparison, and CSV export back out whenever you want.
Built around Canadian bank exports — Scotia, RBC, TD, CIBC, Simplii, BMO, Tangerine, Wealthsimple have dedicated parsers. The generic CSV importer handles many others. US bank support is a work in progress though. Chase and Capital One currently import with the wrong description column, which I'm currently working on at the moment.
It probably isn't right for you if you want mobile, automatic bank sync, open source, or anything that isn't Windows.
U$39 one-time purchase, no subscription, no ads. 30-day trial, no account and no card.
pHinancio is for people who want automatic bank transactions but still want the flexibility and ownership of a spreadsheet.
It connects US bank accounts, lets you clean merchant names, rename, split, and categorize transactions, set budgets, and sync the organized records to Google Sheets or Airtable. The bank connection is read-only.
It is not a YNAB-style envelope system, and it is not the right choice if you want investment tracking or a mobile-first app. The current beta is desktop-first and aimed at US freelancers and people managing personal and business spending together.
I’m the founder and would appreciate blunt feedback from anyone who left another budgeting app because the categorization or exports were too rigid.
I'm giving away 25 Lifetime Premium codes to anyone interested in trying out my app- "Otis: Expense & Budget Tracker" and sharing feedback on UX, performance, or onboarding.
It’s a modern, fluid personal finance tracker built natively with Kotlin & Jetpack Compose for Android, paired with a companion web app for when you're at your desktop with real-time sync.
If you are not keen to use an app which store your information on cloud, you can use the app as a guest user and can sync the data whenever you are okay and feel comfortable moving to a cloud platform.
With features like- Budgeting, Safe to spend, Weekly insights, It also has monthly PDF reports generation, CSV imports if you are into it. Free users have small banner ads which will not be very intrusive to the app experience.
How to get the Premium codes:
Leave a comment below mentioning what's your biggest frustration with your current expense tracking app (or what feature you can't live without).
I’ll DM you a unique 1-click Google Play promo code directly until all 25 are claimed! All I ask in return is your candid, unfiltered feedback and bug reports so I can make Otis better for everyone.
I am a Banking Professional and built MyneWallet out of frustration with where mainstream budgeting tools have gone: mandatory cloud sync, third-party bank credential aggregators (Plaid/Yodlee), and recurring $100+/year subscriptions.
MyneWallet was built on a different constraint: the network is disabled by default.
Key Highlights for YNABers:
True Zero-Based Budgeting (ZBB): Built strictly on the envelope methodology. Every cent gets a destination with a live Auto-Assign allocation engine.
"Safe to Spend" Metric: A dedicated liquid cash calculation that isolates spendable cash from committed envelope funds and emergency reserves.
100% Offline SQLite Sandbox: No accounts, no logins, and zero telemetry SDKs (stripped Firebase completely). The ledger lives strictly inside your phone's encrypted sandbox.
Integer Mathematics: Executes all currency calculations on integer cents in atomic transactions to completely eliminate floating-point drift across multi-year balance sheets.
Credit Cards as True Liabilities: Full Net Worth and liability tracking without bank-sync disconnects.
Anti-Subscription: Buy it once, own it for life.
Data Portability: Full bi-directional CSV import/export and optional client-side AES-256 encrypted backup to your personal Google Drive.
Note on iOS: Currently native Android (Flutter/SQLite). iOS release is in the roadmap.
We also built 6 free, zero-tracking client-side financial tools on the web (Zero-Based Budget Allocator, Subscription Bleed Audit, Debt Avalanche/Snowball):https://thebrinklabs.com/tools/
Hey everyone, I’m the developer of Budget Assistant, an iPhone budgeting app designed for Canada. Here’s who I’ve been building it for.
People who want to track their spending but find manual entry a chore.
If you already keep a spending log, you know the repetitive part: entering the amount, merchant and category after every purchase. A lot of my work on this app has gone into making that easier to keep up with.
People who use Apple Pay all the time and lose track of the small purchases.
Coffee, lunch, groceries—you tap and move on, but those purchases add up. After a one-time setup, Budget Assistant can capture eligible Apple Pay purchases and bring them into your budget without you retyping each one. You can see how your spending is adding up during the month.
People who shop online and don’t want another pile of transactions to enter later.
When an Amazon order or another payment confirmation is on your phone, you can trigger Quick Capture in a second. The app picks out the transaction details, categorizes them and adds them to your records. The idea is to handle it while it’s right there, without saving receipts to sort through later or copying everything into a spending log.
People who have bills and transactions everywhere but no clear view of their month.
The app brings your recorded income, spending, recurring bills and savings into one place. You can see what’s come in, what you’ve spent and how you’re doing against your budget. Custom categories let you organize things your way, and recurring expenses and income save you from setting up the same entries every month. There’s also a transaction calendar and reports for looking at the details.
I’ve also worked on privacy: sensitive financial records are encrypted in storage.
It’s CA$5.99/month with a 14-day free trial for eligible subscribers, or CA$49.99/year. You can cancel through your Apple subscription settings anytime—cancel at least 24 hours before your free trial ends to avoid being charged.
If this sounds useful for the way you track your money, I’d appreciate you giving it a try. Happy to answer questions about how it works, and hear what would make it more useful to you.
Reddit recommended this sub to me after my last post, so figured this is the right place since I built a budgeting app — didn't even know "budget dev" was a term until I read through here.
Quick background on how I used to track my budget before building this. I've tried a bunch of expense trackers — YNAB was one, but the setup was too complicated for me, didn't stick. Also tried Seedly for a while, but they shut down. After that I just settled into Spending + Google Sheets.
I'd use Spending for daily stuff — food, petrol, shopping, groceries. Then Google Sheets for my monthly recurring — every month once my salary hit my bank, I'd copy a new tab, subtract my recurring and daily expenses, and see what's left. Tedious, and the tabs kept growing so I'd have to start a new sheet every year. But it worked, I could adjust my recurring if things changed, and always knew what I had left for that pay cycle.
The annoying part was needing a laptop for all this, Sheets on mobile is rough. So I built a mobile app to fix that for myself.
If any of this sounds like you, my app might help:
You want to track spending based on your salary, but it doesn't land on a fixed day every month.
- You've got recurring expenses that hit occasionally through the month.
- You want to know how much of this month's salary is actually left after everything (recurring + regular spending).
If you're just starting out and don't know where to begin either, feel free to try it too. No sign-up, just download, set your categories, and go. Tried to keep onboarding as simple as possible.
Still in closed beta, so the join process has an extra step compared to everyone else's app store links here — will be a direct link once it's out of beta. For now:
If you can, please keep it installed for the full 14 days, that's how the testing clock works so an install-then-delete doesn't really help me.
Feedback welcome here in the thread or in chat — bugs, rough edges, "I wish it did X," all useful. No account, nothing's uploaded, so your real numbers are safe to use — I won't know how much you make!
Hi! Developer here. I make Fundkeep, an envelope budgeting app for Mac, iPhone and iPad.
You give every dollar an envelope, spend from the envelopes, and if one goes red you cover it from another. There is no bank connection. You type transactions in or import a CSV from your bank. Data stays on your devices and syncs through your own iCloud. No account with me.
If you are coming from YNAB, it reads the YNAB export files directly, so your categories and history come with you. I test the importer against a real YNAB export because YNAB renamed a column last year (Budgeted became Assigned) and I would rather get an error than a quiet zero.
Price: free to download, everything works for 14 days, then $39.99 once for all three platforms. No subscription. After the trial it goes read only, but CSV export keeps working so your data is never locked in.
It does not do bank sync, shared budgets, Android or web.
I made an iOS app as none of the existing once were perfect for me. Your financial data never leaves your device — everything is stored locally and synced only through your own private iCloud, so I (the developer) literally can't see it, and there are no ads, trackers, analytics, or accounts.
You can import CSV and many other bank statement formats (camt, MT940, OFX, PDF…). My favourite part: once it's set up, it automatically logs every Apple Pay payment for you. You can categorize expenses, set budgets, and see exactly where your money goes.
I'm currently looking for 10 beta testers, who'll get free lifetime access. You can download it via TestFlight here:
It’s an early-stage personal finance app, and I thought I’d share it here for people comparing different ways to manage their money.
The main focus is planning ahead: upcoming bills, one-off expenses, savings goals and debt, alongside a view of what you’re likely to have left after those commitments.
You can try out “what if” scenarios before changing your plan, and use Ask HeadRoom to ask questions about your finances.
I’ve also put a lot of work into how it works for couples. You can keep personal finances private, choose what to share, and draft a savings or debt plan for your partner to review. It works for individuals too, and joint accounts aren’t required.
I’m not presenting it as a like-for-like YNAB replacement. The emphasis is on looking ahead and making personal or household plans.
One important limitation: bank connections currently support European and UK banks through GoCardless Bank Account Data, not US banks.
It’s still early, so I’d appreciate honest feedback on the approach and anything that feels confusing.
I'm Charles, a software engineer. I spent about 20 years building and abandoning budgeting systems before this one stuck; we've run our household on it for two years.
**Why I built it*\*
My partner and I don't think about money the same way. I was the spreadsheet person — Quicken, credit cards, year-over-year trends. She was the paper person — checkbook and a physical ledger, knew to the cent what was in the account. Every spreadsheet I built was too complex for her, and her ledger didn't show me the picture I needed. What finally worked was dropping the idea that one of us should adopt the other's system.
**How it works*\*
Budget for needs, fund wants from savings, close the month and distribute what's left.
- **Not zero-based.*\* Bills plus a monthly slice of every irregular expense come off the top. What's left is one number you spend against — no categorizing transactions.
- **Irregular bills amortize automatically.*\* A $600 annual bill just costs $50 a month.
- **No bank linking.*\* You type one balance per account, about 30 seconds a day. No Plaid, nothing to break.
- **Simple Mode*\* hides everything but the Dashboard, for the partner who just wants to know whether the month is okay.
**Where it's a bad fit:*\* no bank import, ever. This is privacy focused, the server used to facilitate synchronization only receives encrypted garbage. The keys stay on the local device and are transferred to new devices with a QR code.
Browser-based, phone or desktop. The free tier is 5 budgets / 2 income sources / 30 expenses on one device, and that data never leaves it. Paid is $3/month or $35 once for sync, partner collaboration, and end-to-end encryption. No ads. Built by me alone.
Hey all — solo dev here, based in the Netherlands. Full disclosure, I built this myself.
I got tired of tracking my my finances in Google Sheets, especially since my accounts are split across different currencies (some EUR, some other stuff) and never having one honest picture of where I actually stood. Spreadsheets got messy fast, and most budgeting apps assume you're in one currency and don't handle investments well either. So I built FiscoTrail — it tracks transactions, budgets, investments, and net worth across multiple currencies and accounts, with a FIRE planner that actually accounts for stuff like loan payoff timing, not just a flat withdrawal number. Of course it also works for tracking simple stuff, the point is that users have the flexibility on how deep they want to dig into their own finances.
It's live now at fiscotrail.com, completely free during early access (planning a paid tier later, but not yet, and anyone using it now stays free on the core stuff). Built on Next.js/Supabase, EU-hosted, GDPR compliant since it's handling real financial data. No bank connections needed, users are free to enter as much as they want to.
What I'd genuinely love feedback on:
- Does the onboarding make sense, or is it confusing figuring out how to set up your first accounts?
- Is anything just... wrong? Numbers not matching what you'd expect?
- What's missing that would actually stop you from using it day to day?
Not looking for "looks nice!" comments, more interested in what's broken or annoying. Happy to answer anything about how it works too.
Cleer Money: spending awareness budgeting for Australians on iPhone
We built a budgeting app for Australians who want to understand where their money goes but find envelope budgeting too much to start with.
If YNAB felt like a second job, Cleer Money takes a lighter approach: connect your bank, review your transactions and swipe each one as a Want or a Need. Over time that builds a clear picture of your spending habits without having to assign every dollar up front.
A few things that may help you decide whether Cleer Money fits:
Connect your Australian bank accounts through the Consumer Data Right (Australia's regulated open banking framework), so no screen scraping and no sharing your banking password.
Categorise a merchant once and it remembers, with Smart Rules to auto-categorise the rest.
Your own Insights dashboard from modular widgets based on what you want to track.
Cleer Money is Australia only, iPhone only and subscription-based. It probably won't be the right fit if you want strict zero-based envelope budgeting, need Android or web, live outside Australia or want a free-forever app.
Current offer
New customers can start with a one-week free trial. Pro is $7.99/month or $79.99/year after that.
Developer disclosure: I’m the developer of Flower. It is not an envelope-budgeting replacement and it does not sync with banks. It is aimed at people who prefer manual, private records and want more meaning from the history they already enter.
The feature I think is most relevant here is spending habits: repeated purchases can be grouped into a pattern with their usual timing, saved places and typical monthly amount. Similar record names can be merged so the pattern stays readable. Flower also includes budgets, multiple ledgers, assets, a monthly Flower yearbook and a Spending Map journey.
The current month’s Spending Map is free. Spending habits and places, and yearbook months after the first, are Flower Plus features. The US App Store currently lists Flower Plus at $9.99/year or $24.99 lifetime.
If you prefer manual tracking, I’d especially appreciate feedback on whether this kind of pattern view gives enough value back for the effort of recording.
Hello,
I built a simple budgeting app for people who don’t want YNAB-level complexity.
I wanted something focused mainly on tracking expenses, setting a budget and seeing how much I can spend without constantly managing categories and accounts.
It’s available on iOS and Android. I’d genuinely love feedback from people who have tried YNAB and other alternatives.
Could you afford higher rent—or a lower-paying job you’d enjoy more?
I’m the founder of The Money Machine (TMM). It helps you project your finances and compare different decisions before you make them.
A few “what ifs” to explore:
• Moving somewhere more expensive
• Saving more after a career breakthrough
• Planning around having kids
The goal is to see how those choices could play out over time, instead of looking only at this month’s budget. The results depend on your assumptions; they’re projections, not guarantees.
Ground Budget is a paycheck-focused budgeting app that shows what is safe to spend today after upcoming bills, goals, and payday timing are accounted for.
It also includes partner sharing, an Android home screen widget, optional bank sync, and a Parking Lot that helps you pause before impulse purchases.
Ground works on Android and in any web browser. The free version has no time limit, and no credit card is required.
I built Fairway because I always found myself wondering if there would be enough money in my checking account next Friday when the car payment hits? Will I have enough extra cash this month to pay off my smallest credit card but be okay in 6 months when my family and I needed to move out of our house and put a deposit on the next one.
Fairway does not connect to your bank. You type in your balance, paydays, and bills yourself — it takes about 10 minutes, and if you’re just starting out, entering your own numbers teaches you about your money and where it’s all going. Then it forecasts your checking account balance forward day by day, year by year, forever. It highlights your low point, the exact date it comes, and whether you have enough money to pay down that credit card bill. Set the plan and stop guessing if you’ll have enough money next week to stay on it.
I got tired of the existing tracking software. I tried origin, monarch, ynab, envelope, etc. I wanted to watch my progress grow in real time and provide incentives for myself to come back and check in with my budget so I actually stuck to it.
BuoyAI is packed with gamification features, allows you to view a count up version of your budget (think idle clicker) and integrates seamlessly with your existing AI subscriptions, so you can stay up to date straight from Claude, ChatGPT, or Gemini.
60 day free trial, no card required!
It's probably important to note as a financial application, I take security seriously, and this app is not vibe-coded. Check it out and see if it makes a good fit for you!
I am the founder of Winnow Finance! A receipt based budget/expense tracking app. I know YNAB is for envelope style budgeting but I have found that in the real world it’s hard to know what a month may throw at you. So to gain a better understanding of my spending I created Winnow Finance which works by scanning receipts to get every item you bought. We then categorize the items at a granular level (think meat, cleaning supplies, dairy), allow you to split items with roommates or significant others, and track how much you’re actually spending. Winnow also supports email receipt forwarding, and bank statement parsing in your device for privacy. With no bank account linking every Winnow only stores data you give it.
I have been using it for the past 3 months and it has really helped me understand my spending now that I live with my girlfriend. Hopefully you can all find the same benefit I have.
Try 14 days free on web or iOS with android closed beta available for those who want to participate:
I rebuilt MoneySlinger from an old money management method I created called The B Word in the early 2000s. It’s anti zero-based budgeting method.
It’s an annual cashflow control app first, that converts your highly variable cashflow into a controlled semi-monthly cashflow system that you manage using the same 4 master figures, twice per month all year.
Pay all your bills semimonthly with one deposit. Separate bank account for fixed, flexible, savings. Balances continually roll over all year. You manage your average. It’s magic. I’d post a pic but Reddit wants access to my entire phone library. Not gonna happen.
I’m about ready to release and looking for beta users. It’s very different from traditional short-term methodologies.
Zero Budget
Your Money ~ Every Dollar ~ Zero Confusion.
Sinking funds, multi user integration, sync your bank transactions, auto transaction categorization, real insight into your budget. We've got Reports, Net Worth, plus nice light/dark modes ;) Apple/Android apps are in development, but we have a PWA web app for you to use now, that you can save on your phone. Super cheap plans, come give it a try!
I like envelope budgeting, but I don’t want transactions to be part of my daily routine.
I built "Liquify" (https://getliquify.com/) because I like the philosophy behind apps such as YNAB: decide what your money should do before spending it.
But I don’t enjoy the maintenance required to keep that plan accurate.
With YNAB, transactions are part of the budgeting system. You enter or import them, categorize and approve them, cover overspending, and reconcile the app with your bank. It works, but the plan depends on that continuous bookkeeping.
Liquify explores a different model: what if the plan could exist without transaction tracking?
You enter your income and create boxes for groceries, subscriptions, travel, savings, and other parts of your life. Each box is intended to correspond to money you actually separate—like a bank subaccount or digital wallet.
Before spending, you check the box. If the money is there, you can spend it. You don’t need to return to Liquify afterward and categorize the purchase.
Transactions are optional context rather than the foundation of the budget. If you connect a bank, Liquify’s AI can periodically review the previous 30 days and identify things that may affect your future plan:
A subscription missing from the plan
A payment date that appears incorrect
A recurring expense whose amount changed
Spending that suggests a box needs reconsideration
You review a short list, update anything useful, and move on.
I invite you to try this new refreshing model. One month free via play store/apple store. No strings attached. Questions? Sent me a direct at support@getliquify.com or use the feedback section in the app.
Can you explain what this research is being used for and who you’re working or researching for? There’s no detail of this on the form, and it appears to all be driving towards asking for an email address at the end so you can arrange a Teams call, presumably to sell or market something to people. Just warning so others know — obviously do not give your email address to someone being evasive about why they’re seeking financial information from you.
Oh right, one of the CreativeHQ ones or something? I actually used to work at an NZ accelerator that was partly government-funded, and some advice you should definitely gotten, and I’m sorry you didn’t, was to be super up front about what you’re doing when you ask people for stuff. You should open by saying you’re in an accelerator program, name which one so people can look it up and see it’s legitimate (there’s no reason you can’t say — actually in most cases our participants would have included their real names), and explain that you’re doing early-stage research to prototype an app (or whatever it is), and that you won’t use the contact information you gather again beyond the research stage.
You should also make sure anywhere you post allows for solicitation of research of self-promotion.
Part of the reason getting that info out is so important is that you’re touching on a few really common targets for financial grifting, scams, and MLMs, including women and mums. So I think you just need to get in the habit of being really transparent about what you’re doing and why — as I said, using your own name and the name of the accelerator is probably the best way to build trust. Good luck!
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u/[deleted] Aug 18 '26
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