Give every dollar a job at the start of the month, let your bank transactions flow in read-only, and watch each envelope. Budgetfold is the envelope-style budget that syncs through SimpleFIN at no markup, works in any currency, shares with your household, and exports whenever you say so.
Import a bank CSV, no sign-upAdd my first expense
Bring your budget from: YNAB · Mint · Monarch · EveryDollar · Rocket Money · Goodbudget · PocketGuard · Simplifi · Copilot · Empower · Quicken · Tiller
Rather start on paper? Free monthly budget template →
Budgeting apps got expensive by bolting on investment tracking, credit scores and bill negotiation, then charging for the bank feed on top. Budgetfold keeps the method and the feed, and leaves the rest out.
Zero-based, envelope-style. Ready to assign shows what is unassigned; overspending in one category comes out of next month, the way it should.
Connect through SimpleFIN Bridge, a read-only feed for thousands of US and Canadian banks. You pay SimpleFIN $15 a year; Budgetfold adds nothing, so it works on the free plan. Plus adds instant Plaid connections (12,000+ institutions) as they switch on. Your bank password stays with your bank.
The Save money page shows what Mealfolder saved you on the grocery list, your real fuel spend from synced transactions, and the cheapest pump prices drivers near you reported. Real prices only, never estimates.
"$150 every month", "build up to $2,000", or "$1,200 by December". One button funds every goal from Ready to assign.
Accounts, cleared and uncleared, transfers, split transactions, one-click reconciliation against your statement. Synced transactions arrive cleared, with the payee tidied and the category suggested from what you chose before.
Every recurring charge with its renewal date, yearly cost, trial end and a price-change log. Budgetfold finds them in your history for you.
YNAB register and plan files, Mint's old CSV, Monarch, Goodbudget, Rocket Money, Copilot, Tiller, or any bank CSV, OFX, QFX or QIF file. Accounts and categories are created to match. Re-importing never duplicates. Import guides →
One person free, up to six on Plus. Pick your currency once. AI categorises imports and reviews your month in plain words, and counts as an assist, not a subscription.
Prices from each product's pricing page on 7 September 2026. All per year unless noted.
What they have that Budgetfold does not: investment dashboards, bill negotiation, credit scores. What Budgetfold has that most of them do not: bank sync on the free plan (through SimpleFIN, at no markup), any currency, a subscription tracker on the free plan (3 subscriptions; no cap on Plus), a Save money page for food and fuel, and export in the same shape you imported.
Start free, upgrade inside. Every plan opens with no sign-up; you pick Plus from the app when the free limits get in the way.
Export your whole budget at any time, on the free plan too: a zip of CSVs plus a JSON copy, in the same shape the importer reads. If you leave, you take everything with you. Bank connections are removed with one click, and Budgetfold never held your bank password in the first place: SimpleFIN and Plaid hand us a read-only feed, and the key to it is stored encrypted.
No sign-up, they run in your browser. All calculators →
Split take-home pay into needs, wants and savings, per paycheck or per month.
Your payoff order, debt-free date and the interest you save versus paying only the minimums.
Assign every dollar of income until the left-to-assign line reads zero.
What to set aside each month for bills that come once or twice a year.
The monthly amount to reach a goal by a date, or how long your deposit takes.
Yes, on every plan. Connect through SimpleFIN Bridge, an independent read-only feed for thousands of US and Canadian banks; you pay SimpleFIN $15 a year and Budgetfold adds nothing on top. Plus adds instant Plaid connections as they switch on. Budgetfold never sees your bank password and cannot move money. Typing purchases or importing a CSV, OFX, QFX or QIF file still works too.
No. SimpleFIN's fee goes to SimpleFIN; Budgetfold has no referral deal with them and no affiliate links anywhere on this site. Plaid is paid for by Budgetfold out of the Plus price.
Yes: zero-based, envelope-style, with overspending rolling into next month's Ready to assign. YNAB's own register and plan exports import directly. The method is not proprietary; the app is what you pay for.
Yes. Set your currency in Settings and everything follows. Dates and number formats use your device's locale.
9GG LLC in Wyoming, who also make Mealfolder and Noteshik. About us.
Budgetfold