---
slug: beta
title: Join the Gnarly Budget Beta
meta_description: Budgeting that never touches your bank. Import your transactions, own every dollar — free to start, $2 a month.
meta_keywords: budgeting, beta, zero-based budget, privacy
og_title: Join the Gnarly Budget Beta
og_description: Budgeting that never touches your bank. Import your transactions, own every dollar — free to start, $2 a month.
og_image: budget-grid.webp
discoverable: true
noindex: false
sections:
  - type: hero
    background_variant: green
    cta: beta
    headline: Gnarly Budget
    subheading: You make the decisions; software performs the calculations
  - type: features
    eyebrow: "01 — Beyond the spreadsheet"
    title: Structure, reconciliation, and FI tracking in one ledger.
    layout: alternating
    items:
      - category: Budgeting
        title: Every dollar gets a job
        description: Budgets anchored to your payday, edited like a spreadsheet, pasted straight from one, and cloned from last month in a click.
        iframe: /examples/budget-overview
        iframe_title: Budget Overview
        iframe_width: 800
        iframe_height: 420
        iframe_scale: 0.75
      - category: Goals
        title: Know your FI number
        description: Your financial independence target with compound growth projections, moving as you log transactions — not as you remember to update a sheet.
        iframe: /examples/fi-dashboard
        iframe_title: Financial Independence dashboard
        iframe_width: 1200
        iframe_height: 640
      - category: Reconciliation
        title: Reconcile against statements
        description: Verify balances against the real statement and catch discrepancies before they compound into a month you can't trust.
        iframe: /examples/reconciliation
        iframe_title: Statement reconciliation
        iframe_height: 520
  - type: trust
    eyebrow: "02 — Privacy"
    background_variant: dark
    title: Your bank never hears from us
    items:
      - icon: shield-lock
        label: No bank connections
        description: No aggregators, no shared credentials. No third party ever sees your accounts.
      - icon: tag
        label: Rules you can read
        description: Default categories with editable match rules, not black-box AI. Automation never overrides you.
      - icon: upload
        label: Your data stays yours
        description: No ads, no data selling. Export or delete everything whenever you want.
  - type: steps
    background_variant: tint
    eyebrow: "03 — Setup"
    title: You won't get lost
    subtitle: Guided setup, eight steps, none of them mandatory.
    items:
      - Add your accounts with statement balance
      - Import CSV, OFX, or paste from a spreadsheet
      - Review your tags and automate categorization
      - Create your first budget and track your finances
    note: Complete them in any order, skip any of them, or skip onboarding entirely.
  - type: pricing
    background_variant: paper
    eyebrow: "04 — Pricing"
    title: Two plans. Both cheaper than the alternative.
    cta: beta
    closing_title: Ready to own every dollar?
    closing_subtitle: Free to start. $2 a month when you need more.
    tiers:
      - name: Free
        price: "$0"
        features:
          - Up to 2 accounts
          - Full zero-based budgeting
          - Financial Independence (FI) tools
          - "Analytical insights: cash flow, balances and more"
      - name: Unlimited
        price: "$2"
        price_suffix: "/mo"
        featured: true
        features:
          - Everything in Free
          - 3 or more accounts
          - Multi-user sharing
  - type: faq
    title: "Questions?"
    layout: open_columns
    items:
      - question: How is this different from other budgeting apps?
        answer: Same zero-based philosophy, no bank connections, and $2 a month instead of $8 or more.
        link_text: See how it compares
        link_url: /compare
      - question: Why no bank connections?
        answer: 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.
      - question: What reports are included?
        answer: 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.
      - question: Is my data private?
        answer: Yes. No ads, no data selling, no third-party access. Built and run by one independent developer — export or delete everything whenever you want.
---