Budget together, without sharing passwords.
Invite your partner and family. Shared envelopes show what the household has left, and everyone sees what changed.
Know what you can safely spend today.
Turn your bank statements into one clear daily number for your whole household. No bank login, ever.
Safe to spend today
Example household
£42.16
Payday in 9 days. Bills and envelopes already covered.
- In your accounts
- £1,612.40
- Bills before payday
- −£388.00
- Set aside in envelopes
- −£845.00
- Free until payday
- £379.40
Tap to spend and watch the number move
No bank loginWe read statements and alerts you choose to share. Your bank password stays yours.
PDF, photo or CSVPassword-protected PDFs too. Save the password once and new files open automatically.
Built for householdsUp to 5 people share one budget, each with their own accounts.
Drop a statement. Get one number.
No spreadsheets and no bank connections. The app reads what your bank already sends you.
Drop
Upload a statement, or save it to a Google Drive folder you share with us. Magic Drop picks up new files on its own.
Read
AI reads every transaction and files it under the right category. Fix one and it remembers next time.
Know
Bills, envelopes and goals come off the top. What is left becomes today's Safe to Spend.
Try the live demo
No signup. The demo imports a sample statement dated this month.
Everything the household budget needs, in one place.
Bank alerts, live
On Android, the spending alerts from your banking app become transactions as they happen.
Magic Drop
Save statements to one Google Drive folder. New files are read automatically, and you can revoke access any time.
Investments and mortgage
Track holdings at the latest prices, and see what an overpayment does to your mortgage.
160+ currencies
Every account keeps its own currency, with daily exchange rates for the totals.
Why there is no bank login.
Most budget apps connect to your bank through a third party that holds access to your account. We took a different route.
Topic
Typical budget apps
Family Budget Tracker
How data gets in
Your bank login, shared with a data aggregator
Statements and alerts you choose to share
Which banks work
Only banks the aggregator supports
Any bank that gives you an English-language statement
Want live sync?
Included, with the access that comes with it
Optional on Premium: bring your own SimpleFIN key, so we still never see a password
Free to start. Simple when you grow.
Free
$0forever
For one person getting started.For a family of up to 5.
- Up to 5 family members
- 1 account
- 1 account per member
- 12 categories shared
- Up to 10 recurring transactions
- Multi-currency support
- Basic reports
Premium SoloFamily
$4.99
- Up to 5 family members
- Safe to Spend and budget limits
- Unlimited accounts and categories
- 1530 AI statement uploads
- Magic Drop from Google Drive
- Live bank alerts on Android
- Bring-your-own-key bank sync
- Investments and mortgage manager
- YNAB and CSV import, PDF and CSV export
Payments are handled by Stripe. Cancel during the trial and you pay nothing. Availability varies by country, bank, statement layout and Android device.
Compare every feature
| Feature | Free | Premium |
|---|---|---|
| People | 1Up to 5 | 1Up to 5 |
| Accounts | 11 per member | Unlimited |
| Categories | 12 | Unlimited |
| Recurring transactions | Up to 10 | Unlimited |
| In-app notifications | Yes | Yes |
| Multi-currency, 160+ currencies | Yes | Yes |
| Family budget sharing | Yes | Yes |
| AI statement uploads | No | 1530 |
| Magic Drop automation | No | Yes |
| Live bank alerts (Android) | No | Yes |
| Bring-your-own-key bank sync | No | Yes |
| Safe to Spend and budget limits | No | Yes |
| AI insights and trends | No | Yes |
| Investments with latest prices | No | Yes |
| Mortgage manager and scenarios | No | Yes |
| Voice transaction commands | No | Yes |
| CSV and YNAB import | No | Yes |
| Advanced reports, CSV and PDF export | No | Yes |
| Support | Priority |
Questions people ask first.
Do I need to give you my bank login?
No. You upload statements as PDF, photo or CSV, or save them to a Google Drive folder you share. On Android the app can also read the spending alerts your banking app already sends. Premium users who want live bank sync can bring their own SimpleFIN key, so we never see a bank password.
What is Safe to Spend?
The amount you can spend today without touching bills due before payday or money you have set aside in envelopes. It updates every time new transactions arrive.
Which banks and countries work?
Statement reading works best with English-language statements from any country, in more than 160 currencies. Layouts vary, so the quickest check is a free account and one statement.
How does the family plan work?
Up to 5 people share one budget. Everyone keeps their own accounts, and shared envelopes show what the household has left.
Is there an iPhone app?
Not yet. On iPhone, use the web app in Safari with the same account. An iPhone app is planned.
How much does it cost?
Free for one person or a family. Premium is $4.99 a month for one person or $7.99 a month for a family, with a 30-day free trial.
See your number before you sign up.
The demo runs on a sample statement. When you are ready, bring your own.