All your money, one clear picture
Free My Budget pulls together every account you have, from linked banks to statements you upload, and turns them into spending you understand, budgets you can keep and goals you actually reach.
Free to use. No ads, no selling your data.
Everything Free My Budget does
Link your banks
Connect checking, savings, cards, loans and investments through SimpleFIN. Balances and transactions refresh on their own every day.
Import CSV & PDF statements
Upload a statement and Free My Budget maps the columns, uses the ending balance, keeps categories and flags duplicates before anything is saved.
AI auto-categorization
New transactions are sorted into your own categories. Change one and Free My Budget remembers that merchant from then on.
A dashboard you can click
Income, spending, savings and transfers for the month and year. Every tile and chart opens the transactions behind it.
Zero-based budgets
Give every dollar a job with Down to zero, group categories into buckets, and let sinking funds roll over month to month.
Spending goals & safe to spend
Set monthly, quarterly and yearly spending limits and see how much you can still spend today while staying on pace.
Reports
Monthly spend across the year, where it all goes by category, a cash-flow matrix and net worth over time.
Forecast & alerts
See your cash in 90 days, plus alerts for budgets nearing their limit, unusual charges and bills that went up.
Recurring bills
Subscriptions and regular payments are detected automatically, shown on a cash-flow calendar, and watched for price increases.
Goals & emergency runway
Track savings goals, link them to accounts, and see how many months your chosen emergency fund would last.
Review, split & tag
A Needs-review inbox, split transactions, notes and tags, ignore items you don't want counted, and account nicknames.
Private & secure
Your data is locked to your login and nobody else can see it. Add optional two-factor sign-in, or delete your account at any time.
Free for everyone, supported by people like you
Free My Budget costs nothing to use. There are no subscriptions, no ads and no premium tier. If it helps you, a donation keeps it running.
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