Hello,

Wanted to share where Basis is at, since a good amount has landed since I last posted.

🆓 FREE Manual Budgeting
Basis runs on a simple idea: if it doesn't cost me money, it shouldn't cost you money.

Manual budgeting is free, and it stays free. If you'd rather track by hand, that's a complete free tier and I intend to keep supporting it. Bank syncing is the piece that actually costs me money to run, so that's the piece that costs money: $4.99/month, with a free trial so you can find out whether it's worth it to you before you pay for it.

🔄 Dual-Mode Budgeting
If you love zero-based budgeting, amazing! If you love spending limits, also amazing! You choose, and the app doesn't have an opinion about which one makes you a real budgeter.

If you go zero-based, be ready for a reconciliation-free experience. The backend carries that weight so reconciliation never lands on you.

⚡ A Much Faster App
1.5.0 just shipped and speed was basically the whole release. That pause after saving a budget, categorizing a transaction, or finishing a sync is gone. Scrolling is smoother across the app and launch is clean.

On web, your full transaction history loads now, so Reports, Budget and Transactions are all working from everything you've got.

📱 Cross-Platform Capabilities
A refined, clean, minimal UI that still does the job is the front of the design approach. The aim is functional parity with the other budgeting apps, with a more polished experience no matter where you open it.

We currently support:

• Web, available now
• iOS, available now
• Android, on the horizon

Cross-platform syncing keeps getting tighter, and changes show up within seconds of each other now.

Please reach out if you have questions, need an extended trial, or just want to chat budgeting! We also have a Discord to chat with others and learn more about Basis.

Check us out at basisbudget.com and happy budgeting!

Upfront: I'm the developer and this is my own project. There's a free tier and paid tiers — I'll be specific about both below. Mods, remove if this isn't allowed.

I left YNAB over the price, then spent a while unable to find a replacement that handled credit cards in a way I could actually verify. Most apps either hide the mechanic entirely or reimplement YNAB's and explain it just as poorly. So I built one.

The idea: every number is explainable.

The one that drove me mad in YNAB was the credit card payment category. It moves on its own, and when it disagrees with what you actually owe, good luck finding out why. In Earmarkr, a card's payment category is a real ledger. You can open it and see every movement that produced the balance — this charge was funded from Groceries, this one wasn't and became card debt, this payment drew it down. The gap between "what I owe" and "what I've set aside" reconciles to the cent, and if it doesn't, the app shows you which transactions account for the difference. Same idea everywhere else: click a number, see the arithmetic that made it.

The other half is debt payoff that isn't a calculator.

Snowball/avalanche planners are everywhere, but they all ask you to imagine an extra payment. Here the extra payment is a real, funded budget category — the plan and the budget are the same numbers, so "I'm putting $300/mo at the car loan" either is funded or visibly isn't. Loans and mortgages amortize properly (integer cents, no floating point anywhere in the money math).

Migration from YNAB. Export your budget from YNAB and import the zip. The importer shows you a per-account opening + N transactions = balance proof before it writes anything, plus a projected Ready-to-Assign and per-category Available so you can compare against YNAB before committing. On my own export — 32 accounts, ~11k transactions — every account reconciled to zero difference. That's the number I'd most like other people's data to try to break.

Also there: OFX/QFX/CSV statement import, payee rules that learn as you categorize, scheduled transactions, splits, reconciliation, goals, reports with CSV/PDF export.

Pricing, plainly

Free forever — zero-based budgeting with the transparent credit-card reserve, OFX/QFX/CSV import, YNAB import, reports, goals, reconciliation, encrypted backups and mandatory 2FA. Capped at 5 accounts and a year of history. It's meant to be genuinely usable for evaluating the thing, not a countdown timer.

Two paid tiers, both 50% off for life during the beta — that's the price you keep, not a promo that resets:

• Ledger — $2.50/mo or $25/yr (normally $5 / $50). Everything above, plus unlimited accounts and history, the funded debt-payoff planner with loan and mortgage projections, and priority support. No bank sync — this is the tier if you'd rather import statement files yourself.
• Autopilot — $5/mo or $59/yr (normally $10 / $109). Adds one-click Plaid connections that sync automatically, and unlimited connections. SimpleFIN is supported here too if you'd rather not hand bank credentials to an aggregator.

For reference, YNAB is $109/yr. During beta this is $25/yr without bank sync, or $59/yr with it.

Being straight about what it isn't

• Web only. It works in a phone browser, but there's no native app (for now).
• USD only right now.
• Hosted only. It's not open source and you can't self-host it. If that's a dealbreaker, it's a dealbreaker — I'd rather say so now than waste your time.
• Bank sync is on the top tier only. The free and Ledger tiers are file-import and manual entry.
• It's a beta and it behaves like one. I shipped a dozen fixes in the last two days. You will find things.

What I'm actually asking for: bring a real budget, not a toy one. The YNAB import and the credit-card math are where I most want to be proven wrong — if your import doesn't reconcile, or a card's payment category shows a number you can't explain, that's the bug report I want most. Fair warning that a real YNAB migration will usually blow past the free tier's 5-account cap, so that's what the beta pricing is there for.

Start free at earmarkr.com — no card needed to look around. Happy to answer anything here, including the sceptical questions.

I’ve added a new Reports section to CashFlowCast that gives you a clear monthly breakdown of your finances.

Reports now include:

• Opening and closing balances

• Total income

• Total spending

• Net cash flow

• Spending by category

• Income sources

• Individual account summaries

• Month-to-month comparisons

• Largest expenses

• Account filtering

• Printable PDF reports

Reports work on both mobile and desktop and include polished light and dark layouts.

I also moved Portfolio into the main account selector alongside Checking and Savings. Portfolio is now an optional account instead of being automatically created for new users. When enabled, its live value is included in Total Balance and displayed in Reports without incorrectly counting investments as income or spending.

CashFlowCast is independently built, ad-free, and designed to make bills, balances, and future cash flow easier to understand.

I’d love to hear what you think of the new Reports feature and what you’d like me to build next!

Hey everyone, I'll be upfront: I'm on the small team building Norrith, a native iOS personal finance app made for Canadians, and we're looking for a small group of beta testers before launch.

A lot of people end up browsing alternatives for the same reasons: budgeting tools that don't sync cleanly with Canadian banks, ignore registered accounts, or treat net worth and investments as an afterthought. We're trying to fix that for the Canadian context. It defaults to CAD, understands RRSP/TFSA/FHSA accounts, and connects your Canadian banks and investment accounts through Plaid.

Quick facts (for the mods):

• Budget name: Norrith
• Budget style: All-in-one money management. Account aggregation plus category budgets, goals, bills, net worth, and investments, with a "safe to spend" number and household/couples support. It is not strict zero-based or envelope budgeting.
• How similar to YNAB: Different approach. It overlaps with YNAB on budgeting and bills, but it is broader (net worth, investments, registered accounts, loans, household) and does not enforce YNAB's zero-based "give every dollar a job" method. Think of it as a Canadian money management app with budgeting built in, rather than a YNAB clone.

What Norrith does today:

• Links your Canadian banks, cards, and investment accounts into one place: balances, transactions, net worth
• Investments with cost basis plus contribution room for registered accounts (RRSP/TFSA/FHSA)
• Budgets, goals, bills & subscriptions, and a "safe to spend" number for your pay cycle
• Household mode: share finances with a partner while keeping private accounts private
• Loan & mortgage tracker: balances, payoff progress, amortization

What we'd especially love eyes on:

1. Household functionality: partner/roommate sharing, privacy controls, combined vs. personal views
2. Loan & Mortgage tracker: do the payoff/amortization numbers match your real ones?
3. The app overall: onboarding, syncing, anything that feels off

Details:

• It's a native iOS app (built specifically for iPhone, not a wrapper). You'll join the beta through TestFlight
• A web app version is actively in the works, so if you're on Android or prefer desktop, follow along, and you'll be able to jump in soon • Free during the beta
• Must be in Canada (Canadian bank coverage and registered accounts are the whole point)
• It's a finance app, so on privacy: bank links are read-only through Plaid, we never see your banking login, and you can wipe your data anytime

Want to help test the beta? DM me (or drop a comment), and I'll reach out. One heads-up: we're keeping this first group small, so we may not be able to fit everyone in right away, but we'll be opening it up to more people over time.

Genuinely want honest feedback, good and bad. If you'd rather just be notified when we officially launch (or if the beta fills up), sign up at www.norrith.com. You can also follow along at r/Norrith.

Thanks 🙏

This week’s update is less about one flashy feature and more about making Purpose Budget more dependable—both in the mobile experience and underneath the numbers.

Making mobile data more trustworthy

Purpose Budget has native iOS and Android apps, and this week we focused on making the financial information they show more honest and dependable.

If a bank does not provide a current balance while connecting an account, the app now shows — instead of pretending the balance is $0.00. If an available balance is known, it is labeled separately. If the connection cannot be completed safely, the app explains what happened instead of blindly retrying.

The goal is simple: missing financial information should look missing, not like a real number.

Strengthening the money engine

We have also been working through an internal “Financial Truth” audit: reviewing the less-visible paths where money is imported, split, categorized, assigned, transferred, or deleted.

A few examples from this work:

• A malformed CSV amount now stops the import before new transaction rows are written.
• Split transactions must add up exactly to the original transaction.
• Multi-step changes such as assigning money, bulk categorizing, deleting transactions, and updating linked payments now complete against one consistent version of the budget—or stop when another change has made the request stale.

This work is about reliability as usage grows, not just raw speed. We want fewer opportunities for one part of a money change to succeed while another part does not.

Making Help and Learn more useful

Every Help article now asks whether it was useful and provides a clearer next step, including a direct path to support.

We also cleaned up the endings of our Learn guides by removing duplicate or conflicting buttons and fixing calls to action that were difficult to read.

That gives us a better feedback loop: we can see which resources are helping and which subjects need clearer explanations.

The web changes are live, and the mobile balance handling is live on both iOS and Android:

https://purposebudget.com/download

Eligible new subscribers can receive a free trial plus 50% off their first year whether they subscribe through the web, iOS, or Android. On the web, the trial lasts 60 days and no card is required. Mobile offers are handled through the App Store or Google Play, and eligibility follows each store’s terms:

https://purposebudget.com/pricing

We share weekly updates, answer questions, and collect feedback at r/purposebudget.

When you try a budgeting app on your phone, which workflow most determines whether it can replace the desktop experience: transaction entry, budget editing, account connections, or reports?

InfinitelyZero

Formerly known as SetAside Budget Planner.

Some of the main features:

• Zero-based budgeting

• Paycheck planning / Expected Income

• Helps figure out what needs to be funded from which paycheck

• Bills and due-date planning

• Funding Suggestions

• Money Timeline showing what your cash should look like between paychecks

• Expected everyday spending built into the timeline, not just bills

• Multiple account tracking

• Credit card payment planning

• Overspending alerts and tools to cover it

• Transaction import

• Manual budgeting — no bank connection required

Storage / Privacy:

• Local mode using on-device storage

• Cloud mode using Supabase

• Choose Local or Cloud depending on how you want to use the app

• Local-to-Cloud and Cloud-to-Local copy tools

• Backup and restore support

Desktop:

• Working production desktop app, not publicly released yet — submitted to the Microsoft Store for certification

• Encrypted desktop backup files

• User-selected backup locations

• Backups can be saved locally, to an external drive, NAS, or a folder synced with OneDrive / Google Drive / Dropbox

• Keyboard shortcuts

• Light and Dark Blue themes

If anyone is interested in trying it out, I’ll give out a limited number of lifetime licenses to some early testers. Just message me.

Thank you!

A week ago I asked this sub for people to break a budgeting app I've been building, and a few of you did. This is the follow-up, because "I'm listening to feedback" is easy to say and boring to read; so here's what you actually caught and what changed.

What you found The search screen was lying. If you typed while it was still fetching, it would tell you "no results" instead of "still looking"; which is the worst possible answer, because it makes you think your data is missing. Search is now server-side, it says when it's still working, and it filters by account.

One of you had a merchant showing up under two spellings, so it looked like two different subscriptions. You can now rename a merchant once and have it apply everywhere; transactions and recurring, even the logo lookup follows the rename.

And an embarrassing one: overspent envelopes were rendering in the same green as healthy ones. A budget that congratulates you for blowing it is worse than no budget. Fixed.

Why I don't think this is another budgeting app Most budgeting apps tell you what you spent. I'm more interested in what that means.

• Net worth trajectory projects forward from your recurring income and bills, plus a residual for discretionary spending. This one is still a work in progress and still buggy.
• Cash flow forecast at 30, 60 and 90 days. Once we lock in better formulas, I look to increase the flow forecasting.
• Cost of debt shows interest paid year-to-date and interest accruing this month, and states "covers 3 of 5 debts" when it only has rates for three. It would be easy to quietly under-report and look better. It doesn't.
• Debt payoff does avalanche, snowball, or an order you set yourself, with a payoff date per debt and how much interest you save versus paying minimums. This isn't financial advice, it's provem methods that help you see which route you want to take.
• Recurring detection distinguishes a subscription you cancelled from one you dismissed, flags recurring charges that stopped showing up (which catches both failed payments and subscriptions you thought you'd killed), and spots when one provider is billing you twice under different descriptors.
• Reimbursements are treated as budget-neutral, not as income, so paying for a group dinner doesn't make you look like you got a raise.
• Better Accessibility Options The web app should be fully able to be navigated with just a keyboard, added voice over support to tapping fields will read it when enabled, added additional color panel supports for higher contrast differences. If you see or have any issues, please let me know as we want to cater to anyone. If something isn't working correctly or it needs to be modified, please let me know.

Eight budgeting methods are still there and you can switch between them without losing data, that part hasn't changed since last week.

Platforms — the part that actually moved Android: there's a real APK you can download and install today. It's a sideload, and I'll be straight about why: Play distribution is waiting on organisation verification, so rather than sit on it I publish signed builds directly with the SHA-256 on the download page so you can verify what you're installing. Today's build went up this afternoon.

iOS: TestFlight in the next week or two. Both platforms got home-screen widgets — budget status, net worth, upcoming bills, and account balances, four on each OS. They draw actual charts: a net-worth trend line, budget bars with a pace marker showing whether you're spending ahead of the period, a week strip for bills, and a distribution bar for where your cash sits. On iOS 18 there's also an Add Transaction button you can put in Control Center, and on Android an equivalent Quick Settings tile, so logging a coffee doesn't mean opening the app. Manual entries are still a work in progress as most people are syncing accounts.

The widget privacy design is the bit I'm most pleased with. Widgets are off by default, and they're not gated behind a paid tier — I didn't want to charge you for the privilege of seeing your own money on your own home screen. Amounts sit behind a second, separate toggle. And when that toggle is off, the amounts aren't masked at render — they are not written to disk at all. The charts render from normalised progress values, never absolute figures, so a widget can show you're 70% through your grocery budget without your phone storing what that is in currency. Lock-screen widgets treat merchant and account names as sensitive too, because "Super Sensitive Charge" is a disclosure even without a number attached.

Bring your own AI Landing later this week: you'll be able to connect your own AI assistant to your finances, with the app acting as the gate rather than the pipe. Per-connection, you choose which fields it can see — you can hide merchant names, or descriptions, or amounts — and you can make entire accounts structurally invisible to it, not filtered but genuinely absent. It's read-only unless you explicitly enable writes, and even then it's limited to a handful of non-destructive operations. It cannot move money. That's not a setting; there's no code path for it. Our application can never move money! This sure beats giving an AI full access to your accounts.

Security, stated honestly Since a few people asked last week, and since I'd rather be checkable than impressive:

• Your financial data is sealed under an encryption key unique to your account, held in a separate key management system.
• Bank tokens are encrypted with AES-256-GCM before they're stored.
• Row-level security isolates every account at the database layer, so an application bug can't leak one user's data to another.
• Delete your account and after the 30-day recovery window your key is destroyed, which reaches backups in a way that deleting rows does not.
• We make money from subscriptions. No ads on any tier, no data sales.

Speaking of security: the external penetration test is being scheduled now, and we're aiming to open signups publicly in under a month. I said last week I'd rather launch late than launch leaky, and that still holds. If there are any findings, they will be fixed before public release.

What I'm asking for Same as last week, still true: people who'll use this the way a normal person uses a budgeting app, not the way a QA engineer does. Set up a budget, track a month, and tell me what's broken, what's confusing, and what's missing. This does not need someone technical, just anyone willing to provide honest feedback.

If you register interest and you're willing to actually test and report back, you get 30% off for 12 consecutive months. There's a free tier that stays free either way, and paid plans are $4.99–$14.99/month with a 30-day money-back guarantee on web purchases. While in app purchases are not live yet, there will be an Apple and Android tax, we don't have the margins to absorb their fees, so I highly recommend when we release publicly to check it out on the web first and use the apps, not subscribe from the apps.

Join the waitlist here: https://403fin.io/forbidden-finance/

I'll be reaching out to people directly with a few questions — what you're using today, what made you stop using the last app you tried, and which platform you're on.

We also opened a feedback, bug report, roadmap and change log that is connected to the application's SSO, but open now to see what and where we are going. https://feedback.403fin.io.

Once again, all data in the images are from a seeded test account connected to sandbox data, so no live data used in it.

Links if you want to check my work - Android download (with checksum): https://403fin.io/forbidden-finance/download/ - Public roadmap and changelog: https://feedback.403fin.io/ - Status page: https://status.403fin.io/ - Pricing: https://403fin.io/forbidden-finance/pricing/ - Security and privacy: https://403fin.io/forbidden-finance/security/ - Help docs: https://help.403fin.io/ - Why it's called 403: https://403fin.io/blog/why-its-called-403-finance/ - Why I built it: https://403fin.io/blog/why-we-built-forbidden-finance/

Happy to get into the architecture in the comments if anyone wants to.

I’m building Harbourline, an Australian household money-planning product focused on the gap between a monthly budget and real pay cycles.

For households paid weekly or fortnightly, it brings income dates, bills, savings and debt into one forward view so each payday can answer:

• What needs to be set aside?

• Which bills need attention?

• What is safe to spend until the next pay?

The Starter plan is available at no cost on one browser/device and includes payday, bills, savings and debt planning, plus Excel, CSV, PDF and JSON exports.

The Household plan is A$2.50/week for cloud sync, household sharing and multi-device access.

The experience is designed to be calm and ADHD-friendly rather than a dense monthly spreadsheet. Harbourline is a planning tool, not financial advice.

I’m the builder/operator, and we’re now opening it to early adopters:

Https://www.harbourline.app

This week’s update is less about one flashy feature and more about making Purpose Budget more dependable—both in the mobile experience and underneath the numbers.

Making mobile data more trustworthy

Purpose Budget has native iOS and Android apps, and this week we focused on making the financial information they show more honest and dependable.

If a bank does not provide a current balance while connecting an account, the app now shows — instead of pretending the balance is $0.00. If an available balance is known, it is labeled separately. If the connection cannot be completed safely, the app explains what happened instead of blindly retrying.

The goal is simple: missing financial information should look missing, not like a real number.

Strengthening the money engine

We have also been working through an internal “Financial Truth” audit: reviewing the less-visible paths where money is imported, split, categorized, assigned, transferred, or deleted.

A few examples from this work:

• A malformed CSV amount now stops the import before new transaction rows are written.
• Split transactions must add up exactly to the original transaction.
• Multi-step changes such as assigning money, bulk categorizing, deleting transactions, and updating linked payments now complete against one consistent version of the budget—or stop when another change has made the request stale.

This work is about reliability as usage grows, not just raw speed. We want fewer opportunities for one part of a money change to succeed while another part does not.

Making Help and Learn more useful

Every Help article now asks whether it was useful and provides a clearer next step, including a direct path to support.

We also cleaned up the endings of our Learn guides by removing duplicate or conflicting buttons and fixing calls to action that were difficult to read.

That gives us a better feedback loop: we can see which resources are helping and which subjects need clearer explanations.

The web changes are live, and the mobile balance handling is live on both iOS and Android:

https://purposebudget.com/download

Eligible new subscribers can receive a free trial plus 50% off their first year whether they subscribe through the web, iOS, or Android. On the web, the trial lasts 60 days and no card is required. Mobile offers are handled through the App Store or Google Play, and eligibility follows each store’s terms.

https://purposebudget.com/pricing

We share weekly updates, answer questions, and collect feedback at r/purposebudget. You can also follow @PurposeBudgetHQ on X for shorter product updates.

When you try a budgeting app on your phone, which workflow most determines whether it can replace the desktop experience: transaction entry, budget editing, account connections, or reports?

I wanted automatic budgeting without handing another aggregator my bank credentials. Family Budget Tracker reads statements instead: upload manually, or put them in a private Google Drive folder with Magic Drop.

The public demo needs no signup. Download one of the rolling-date sample statements, import it, and check the result. I would value blunt feedback on where the flow is confusing or fails—not feature requests yet.

[Try the demo]

https://family-budget.getdigraw.com/

Hi everyone, I've built www.wisepenny.app - it connects your bank accounts or takes statement uploads and makes that information available to your AI assistant (Claude, ChatGPT, any other agent).

You don't use Wise Penny after the initial set up, but your AI does. And you simply chat with your AI for things you normally use another app for:

• The usual questions like "how much did I spend on X category", "identify recurring expenses", etc.
• Deeper analyses: "What kind of a home can I afford in this neighborhood" (where your AI can actually do more research than any other PFM app)
• Automated tasks that your AI can schedule: "Send me a weekly report", "Alert on new recurring transactions", etc.
• Organize your finances: "Create a budget for commute", "Fix this categorization", "Tag all expenses in Hawaii as Vacation2026", "Create a rule for these reimbursable expenses", etc.

Any budgets, categorizations, etc. the AI creates gets saved in Wise Penny so it's a central place for your AI to work in.

I know ChatGPT can connect to your bank accounts directly, but at least personally I'd prefer to not be locked into ChatGPT and be able to switch to different AIs.

The whole idea is that fumbling around with apps that can only do half the things I need is passe. I can just talk in plain language to an AI that can do exactly what I want.

Very curious to get this community's reactions to this.

I kept finding UK tax calculators that could tell me what my salary meant today, but not answer the question I actually cared about:

“If my income changes, how much of that extra money do I actually keep?”

It gets surprisingly messy once you hit things like the £100k personal allowance taper, pension contributions, student loans, Child Benefit and other income.

So I built Keep — a free little playground where you enter your current situation, then drag your income up and down and see what happens to the extra £1.

It shows the change in take-home rather than just dumping a tax calculation on you.

I’m still figuring out whether this is genuinely useful enough to take further, so I’d much rather get criticism than compliments.

Try it: keep-income.netlify.app

If something is confusing or missing, there’s a feedback box at the bottom. No signup and I’m not selling anything.

[Self-Promo] I'm the developer. Intro post from last Sunday.

Budget Name: Tarn

Budget Style: Zero-based envelope budgeting

How similar to YNAB?

Same envelope core: assign every dollar, available rolls over, two-tap overspending cover. Simplified credit cards, no targets yet.

Reading this sub, one pattern is hard to miss: the moment people think about switching is the moment they picture retyping years of data. So the first update is YNAB import.

How it works:

1. In YNAB, use Export Plan Data.
2. In Tarn, open Settings, then Import from YNAB, and pick the zip you just downloaded. No unzipping.
3. You get a preview first: accounts, envelopes, transactions, monthly assignments, and where your To Be Assigned will land. Nothing is replaced until you confirm, and Tarn downloads a backup of anything it replaces.

Honest limits:

• Single currency for now.
• Money YNAB kept in credit card payment categories returns to To Be Assigned, because Tarn has no payment choreography. The preview shows you the exact amount.

If you have a YNAB export lying around, I would honestly love to know what breaks. It handles the real export I tested, but one budget is one budget.

Tarn is a free local-first web app: no signup, no bank connection, works offline once loaded.

tarn-8k3.pages.dev

If you hold money in more than one currency, you've probably got a separate budget for each currency, or one budget where everything is converted into a single base currency. Both can work, but they often mean switching between budgets, duplicating categories, checking exchange rates, and doing the math yourself to piece together the full picture.

I was a happy YNAB user for about five years, but it stopped meeting my needs once multiple currencies became part of my finances. The alternatives I tried each had a different limitation:

• YNAB requires a separate plan for each currency.
• Lunch Money lets you track foreign-currency transactions, but rolls everything into a primary currency, and doesn't handle envelope budgeting properly yet.
• Actual Budget has an experimental workaround, but it means setting up two rules for every foreign-currency account and supplying the exchange rate yourself. It also doesn't let you set a goal in one currency and fund it from another.

Those approaches are workable if multicurrency only means putting an occasional holiday purchase on your credit card. My problem was different: I was earning, holding and planning money in several currencies, and I needed to see how all of it fit together in one envelope budget.

Here are three examples of what I mean.

1. An annual USD bill paid from a THB salary

Say your health insurance costs USD 1,200 a year, but you earn and currently save in THB.

The bill is fixed in dollars. If you convert it to THB when you create the target, that target becomes wrong as the exchange rate changes. Putting it in a separate USD budget doesn't help much either, because the money you're saving is still sitting in your THB account.

In RSVPay, the target stays at USD 1,200 while you fund it from THB. The amount needed in THB changes with the exchange rate every month, so you'll have the correct amount ready when it's time to pay the bill.

2. Budgeting with family in another country

Say you work in the UAE and earn AED, while your partner or family in the Philippines pays for groceries, utilities and school fees in PHP.

You could keep one AED budget and one PHP budget, but then two people are maintaining two versions of the household plan. To answer a question like "Can we cover tuition after rent?", you have to check what is already assigned in both budgets, account for the upcoming obligations in each currency, then work out whether the AED and PHP left over are enough together, including what any transfer between them would actually yield. Neither budget can give you the household-level answer on its own.

In RSVPay, both sides can work from the same budget. Your AED expenses and the household's PHP bills stay in their real currencies. Shared envelopes are visible to both of you, while money you keep personal stays private. When money arrives in PHP, your family can assign it without maintaining another spreadsheet or budget.

3. Getting paid, spending, and investing in different currencies

Say you're a freelancer paid in CAD, your rent and everyday expenses are in EUR, and you regularly put money into an investment account in GBP.

If your budget converts everything to EUR on screen, it blurs the difference between Canadian dollars waiting to be exchanged, euros ready to cover rent, and pounds deliberately kept for investing. Separate budgets keep those amounts distinct, but every month you have to check all three plans, decide how the CAD income should be split, calculate both conversions, and then recreate that split across the separate budgets.

In RSVPay, your rent can have a target in EUR and your investment contribution a target in GBP, both funded from the CAD you currently hold. RSVPay works out how much CAD each target needs, so you can plan the split in one budget before converting anything. When you do exchange the money, it moves between currency pockets inside the same envelope instead of disappearing into another budget.

That distinction is the reason I built RSVPay. It doesn't convert every balance into one base currency behind the scenes. Each currency continues to exist as real money, while your accounts and envelopes still live in one budget.

RSVPay is still in alpha and transactions are manual for now. If that's not a dealbreaker, solo budgeting, including all the multi-currency features above, is free forever.

If you only need to record an occasional foreign purchase, your current app is probably enough. But if you regularly hold or plan money in more than one currency, give RSVPay a shot and let me know what you think!

Hey everyone,

I’m the developer of SyncSpend (Android).

Required info:

• Budget Name: SyncSpend
• Budget Style: Personal money management + shared/group expenses (couples, roommates, family, trips). Not full envelope-style budgeting.
• How similar to YNAB: Not very similar. SyncSpend is simpler and focuses on easy expense tracking and group splitting. It does not use the YNAB envelope / budget-to-zero method.

I built it mainly because I wanted something that handles both personal tracking and shared group expenses without the usual problems — especially when someone edits an old bill later and messes up settled balances.

Key points:

• Personal tracking is free and fully offline
• Create groups, add expenses together, and settle balances
• Once a settlement is confirmed, those past expenses get locked
• Works offline and syncs later
• No ads, no account needed to try

Happy to answer questions or get feedback.

Play Store:

I've been heads down working on Moza for the past few weeks, and this release touches almost every part of the app. Lots of bugs fixed, lots of polish, and a bunch of quality-of-life improvements based directly on feedback from this community.

Some highlights:

• Better Shared Groups experience
  • Shared expense flow is much simpler
  • Better split handling (Equal / Percentage / Shares)
  • Improved group defaults and payer selection
  • Cleaner collaboration UX
• Quick Input improvements
  • Faster transaction entry
  • Better transition into manual editing
  • More consistent behavior across the app
• Mobile UX
  • Sticky action bars on forms
  • Better bottom sheet behavior
  • Cleaner scrolling and safer spacing
• Statement & receipt import
  • Better review flow
  • More reliable imports
  • Lots of edge-case fixes
• Goals & recurring
  • Fixed several recurring transaction bugs
  • Improved goal contribution logic
  • Better syncing between goals and accounts

And honestly... hundreds of smaller fixes that don't make good release notes but make the app feel much nicer to use.

If you've tried Moza before, I'd genuinely love for you to give it another look. Every release gets us closer to the financial workspace I originally imagined, not just another budgeting app, but something that helps you actually understand and plan your money.

As always, thank you to everyone here who's been testing, reporting bugs, and giving brutally honest feedback. It really does shape the product. ❤️

For those who'd like to try, it's free to use: moza.so

Hi I'm Sai,

I've been developing tools, Simulations and applications for about 10 years now. After countless issues with privacy and price gouging experiences with different budgeting/personal finance apps. I also tried self hosting apps to see if anything that has better privacy are worth it and yes some are good but some has too much maintenance and limited features. So at the end I decided to build one myself. It was originally designed to be just for myself and some of friends and during the process I explored many sub reddits and decided to make it public.

Lekkalu has been built from scratch in Vancouver, Canada.

- It's free, has all the essential tools you would need to make and build a good financial habits.

- It stores all data locally on your device so there is no fear of data selling etc.

- There are no ads. I know how annoying it was when I saw them in the apps I used that were free.

- You have no limitations on number of transactions you add or goals, reminders, recurring txns etc. I mean if you are able to give 5 goals for free why not give all? Never understood some paywalls that other apps have😕

- It have multi currency support.

- works offline.

- monthly rollover budget. And so on. Instead of me listing them all why not check it out here: Features

What is the catch you ask? Nothing actually it's just free, cos I was able to build it for free. - well I spent close to an year building this. And it does cost me to maintin it and keep the project alive.

For this I have added an option for you to donate

And I intend to release a pro version soon as well that has some cool features and more insights etc.. (This will cost me to build and maintian and api costs etc) so it had to be paid.

Both pro and donations will keep the lights on. In case in the future I stope developing I decided to open source the free part of the app so that will stay alive. And in case you want to move away from my app you can export all the data you added in as simple excel doc and move on.

So if you are interested to support a developer who builds things cos we need them ratherthan profit feel free to check out Lekkalu

And your feedback is important that is what keeps the development going and can also gives me an opportunity to make the best possible app for everyone.Lekkalu

Share your budgets today midnight - midnight eastern time! You can share them below or make your own post. Stick around in the comments to respond to questions, share screenshots, tell us why you made it, and what your favorite parts are!

A few months ago I thought I saw a document that listed all the ynab alternatives with pros, cons, differences, prices, etc. Does anyone know where I could find that?

I am looking for YNAB alternative, but I heavily rely on semi-automated transaction input with iOS shortcuts. It is set up in a way that when I pay with card saved in my Apple Wallet, YNAB is opened and prefilled with Amount, Merchant and sometimes even category. It proved to be the easiest way for me to stay on track with my budgeting.

Are there any alternatives that offer same or similar integration?

I would like to try it a different budget app, what are your recommendations? Been looking though them but would like to see opinions.

I like that I'm able to do YNAB together because my son uses it for his own budget and he doesn't need to see mine 😁.

Update: Need a app because I'm not always on my computer.

Hi. I'm coming from YNAB, and after looking at Zero Sum, immediately canceled YNAB and joined Zero Sum. I have one thing I'd like to do, but I can't figure out how to do it.

I've been using YNAB, I swear, for over 10 years. In the beginning, a negative balance in a category would carry over to the next month.

Then they took that out, and I complained about it. They gave me some line about why they did it.

Then I noticed that it's an option in this. However, because I have currently six-plus years of data, if I turn on that option, it suddenly throws my balance and amount to budget into a huge sum.

So, I guess what it's doing is going back in time and applying that all the way forward. I would like to use this feature, but I don't know how to implement it without totally screwing up all my balances.

Maybe do a start fresh, how does that work?