Gnarly Budget

You make the decisions; software performs the calculations

Join the Beta

Free while in beta. No card required.

01 — Beyond the spreadsheet

Structure, reconciliation, and FI tracking in one ledger.

Budgeting

Every dollar gets a job

Budgets anchored to your payday, edited like a spreadsheet, pasted straight from one, and cloned from last month in a click.

Goals

Know your FI number

Your financial independence target with compound growth projections, moving as you log transactions — not as you remember to update a sheet.

Reconciliation

Reconcile against statements

Verify balances against the real statement and catch discrepancies before they compound into a month you can't trust.

02 — Privacy

Your bank never hears from us

  • No bank connections

    No aggregators, no shared credentials. No third party ever sees your accounts.

  • Rules you can read

    Default categories with editable match rules, not black-box AI. Automation never overrides you.

  • Your data stays yours

    No ads, no data selling. Export or delete everything whenever you want.

03 — Setup

You won't get lost

Guided setup, eight steps, none of them mandatory.

  1. STEP 01 Add your accounts with statement balance
  2. STEP 02 Import CSV, OFX, or paste from a spreadsheet
  3. STEP 03 Review your tags and automate categorization
  4. STEP 04 Create your first budget and track your finances

Complete them in any order, skip any of them, or skip onboarding entirely.

04 — Pricing

Two plans. Both cheaper than the alternative.

Free

$0
  • Up to 2 accounts
  • Full zero-based budgeting
  • Financial Independence (FI) tools
  • Analytical insights: cash flow, balances and more

Unlimited

$2/mo
  • Everything in Free
  • 3 or more accounts
  • Multi-user sharing

Ready to own every dollar?

Free to start. $2 a month when you need more.

Join the Beta

Free while in beta. No card required.

Questions?

How is this different from other budgeting apps?

Same zero-based philosophy, no bank connections, and $2 a month instead of $8 or more. See how it compares

Why no bank connections?

Handing a third party your bank credentials is the part of budgeting apps people most regret. CSV/OFX import with statement reconciliation keeps you in control.

What reports are included?

An insights dashboard with spending by category and merchant, income vs. expenses trends, monthly comparisons, balance sheet/net worth, and custom label reports you define — with CSV export.

Is my data private?

Yes. No ads, no data selling, no third-party access. Built and run by one independent developer — export or delete everything whenever you want.