Three budgeting methods. One app.
Whether you swear by zero-based budgeting, prefer the envelope system, or just want an app to suggest sensible monthly caps based on your real spending — we ship all three. Switch any time. Mix methods across categories. No more app-shopping.
Zero-Based Budgeting
Every dollar gets a job. Income minus allocations equals zero. The YNAB philosophy without the YNAB price tag or learning curve.
Envelope Method
Pre-fund category envelopes at the start of each pay cycle. Once an envelope is empty, you stop spending in that category. Old-school discipline, digital tools.
Smart Budgets
Our AI reads your last 6 months of spending and proposes realistic monthly caps that flex with seasonality (heating in winter, travel in summer).
Pay-Cycle Aware
Weekly, fortnightly, four-weekly or monthly. Budgets align to your real pay cadence, not arbitrary calendar months.
Multi-Currency Budgets
Budget in GBP, USD, AED or AUD as needed. Multi-currency users can set caps per wallet.
Rollover & Sinking Funds
Underspent budgets roll into next month or into a sinking fund for big annual expenses like car insurance.
How it works
- 1
Connect a bank account
Open Banking or Plaid or CDR depending on your region. 30 seconds, OAuth-only, read-only.
- 2
Pick a budgeting method
Smart for beginners, Envelope for visual learners, Zero-Based for power users. Switch any time.
- 3
Set your pay cycle
Tell us your payday and frequency. Budgets reset on that schedule.
- 4
Spend like normal
Transactions auto-categorize. We warn you 5 days before an envelope runs dry or your balance goes red.
Frequently asked questions
Is this really like YNAB?▼
Our Zero-Based mode is functionally identical to YNAB’s rule of “give every dollar a job”. Plus we have real Plaid/Open Banking sync that doesn’t break weekly.
Can I have different budgets per region?▼
Yes — if you have UK and UAE accounts, budget GBP and AED separately. Cross-currency budgets supported on Premium.
What if I overspend?▼
You get a push notification when you hit 75% and 100% of a category cap. Overspends roll forward into the next period (or you can fund them from another category).
Does it work for couples?▼
Business plan ($11.99/mo) supports 5 user seats. Shared categories, individual private accounts. Approval workflows optional.
Try Budgeting free
Free plan forever. No credit card. Cancel anytime.