Feel in control of
your money for the first time.
Give every dollar a job before you spend it. No end-of-month surprises. Just clarity about where you stand.
No credit card required · Set up in under 5 minutes
Most budgeting apps tell you what happened.
By then, it's too late.
You open your bank app at the end of the month.
Money's gone. Where? Hard to say.
That spreadsheet you started in January?
Abandoned by March.
That budgeting app everyone recommends?
Red numbers. Guilt. You've already failed.
Tracking where money went doesn't help you decide where it goes.
Four steps to financial clarity
Plan your month
Give every dollar a job before you spend it. Zero-based budgeting made simple.
Track as you go
Add transactions in seconds. See exactly what's left in each category, updated instantly.
Grow your funds
Set targets for savings, investments, and debt. Track progress as your funds grow.
Adapt your plan
Plans change? Get smart suggestions on where to shift funds—essentials stay protected.
Everything you need. Nothing you don't.
Assign every dollar before the month begins
Zero-sum budgeting means your income minus your planned spending equals zero. Every dollar has a purpose—housing, groceries, savings goals, investment contributions, debt payoff. Watch your progress grow as you allocate toward what matters most.
- Set budget amounts for every category upfront
- Create funds for savings, investments, and debt payoff
- Adjust anytime as priorities shift
Monthly Income
$5,000
Expenses
$2,800
Savings
$1,000
Investments
$700
Debt
$500
Plan months ahead in minutes
View your budget quarter-by-quarter. Click any month to copy last month's allocations. Edit amounts inline—no modals, no friction. Create categories and subcategories that match how you actually spend, not how some app thinks you should. When priorities shift mid-month, adjust on the fly and see the ripple effect across your plan.
- Copy from previous month with one click
- Create custom categories and subcategories for any expense
- Inline editing across all months simultaneously
- Instant allocation feedback (green = balanced, red = over)
Click on a month header to copy budget from the previous month
Life throws curveballs. Your budget catches them.
Car trouble. Medical bill. Last-minute trip. The Planning Assistant instantly finds the safest places to pull from—never touching rent or essentials—so you stay on track without the stress of manual math or the guilt of starting over.
- Finds hidden flexibility you didn't know you had
- Protects your savings—only taps funds as a last resort
- One click to rebalance. Zero guilt.
Cover Expense
We'll pull from:
Set goals. Know exactly where your money lives.
Funds work like the envelope method—without the envelopes. Assign dollars to savings goals, investment contributions, or debt payoff. Your actual accounts stay simple; your financial picture stays crystal clear. Always know how much is earmarked, how much is free, and how close you are to each goal.
- See exactly how much is allocated vs. available across all funds
- Mentally separate money without opening new accounts
- Track progress toward targets or ongoing contributions
- Pull from funds when you're ready to spend or deploy
Funds
$22.8k total · +$1.9k this month
Emergency Fund
Saved
$4.8k
Target
$10.0k
This Month
+$434
Savings Account
Vacation
Saved
$2.4k
Target
$3.0k
This Month
+$189
Savings Account
Stock Portfolio
Saved
$5.9k
Target
10% of income
Nov
83%
Dec
83%
Jan
78%
Amex Gold
Car Loan
Paid
$3.6k
Total
$15.0k
This Month
+$297
Chase Sapphire
See your complete financial picture
Go beyond monthly budgeting. Track your assets—savings accounts, investments, property—alongside your liabilities. Watch your net worth trend upward over time.
- Add assets: bank accounts, investments, property, vehicles
- Add liabilities: credit cards, loans, mortgages
- Real-time prices for stocks, ETFs, and crypto
- Track net worth growth month over month
Allocation Breakdown
Assets vs Liabilities distribution
Why manual entry wins
No bank logins required
No data harvesting. No third-party access. Enter transactions yourself and keep your financial life completely private.
Quick entry, zero friction
Add transactions in seconds. Manual entry means you actually know where your money goes—no mysterious categorization errors.
Works on any device
Access your budget from your phone, tablet, or laptop. Your data syncs across devices.
Set up in minutes
No marathon onboarding. Add your first budget category and you're ready to go.
Frequently asked questions
Zero-sum budgeting means assigning every dollar of your income to a specific purpose before you spend it. Your income minus your planned spending equals zero—not because you have nothing left, but because every dollar has a job: rent, groceries, savings, investments, or debt payments. This gives you complete clarity and control over where your money goes.
Simple, transparent pricing
- Unlimited budget categories
- Savings, investment & debt funds
- Smart reallocation suggestions
- Net worth tracking with live prices
- Quarterly budget planning
- Access on all devices
- Email support
No credit card required · Cancel anytime
Ready to stop guessing and start planning?
Take control of your money with zero-sum budgeting. Your first 14 days are free.
No credit card required · Set up in 5 minutes · Cancel anytime