BudgetLabs: Money Manager

Budgeting that bends to how you actually spend. AI shortcuts when you want them, full control always. Free forever core plan, Pro $1.99/mo.

Take control of every dollar with AI-powered budgeting that bends to how you actually spend.

Hank — your AI assistant — answers questions and adds transactions in plain English. Smart Import turns bank statements (paste, PDF, or email) into clean transactions instantly. Receipt scanning captures expenses with a snap.

WHAT MAKES BUDGETLABS DIFFERENT

Amortize annual bills. Spread one-time expenses like car insurance, registration, or holiday gifts across the months they actually affect. No more "January is broke" surprises. Built in — no sinking-fund workaround required.

Borrow from future months. Overspent on groceries this month? Pull from next month and keep going. Real budgets bend instead of breaking. So does this one.

Zero-based budgeting, no dogma. Every dollar gets a job — but you decide the rules. Income, expenses, savings, debt — all planned at the start of the month so nothing slips through.

THE LAB — A WORKSHOP FOR YOUR MONEY

• Insights: net worth, cash flow, spending trends, forecast — all in one view
• Scenarios: try a change before committing. "What if I cut dining by $150 and moved it to debt?" See the math instantly.
• Challenges: 30-day spend caps, debt-paydown sprints, save-$500 goals
• Goals: track what you're saving for with live trajectory charts
• Terminal: type commands instead of clicking — for power users

FAIR PRICING

Free plan covers full budgeting, the Lab, transactions, and debt and asset tracking.

Pro is $1.99/month or $19.99/year. Unlocks higher AI limits and unlimited Smart Import. Receipt scanning is unlimited on both plans.

No ads. No upsells. No VC-fueled price hikes down the road.

PRIVATE BY DESIGN

AES-256 encryption at rest. Face ID / Touch ID biometric lock. Multi-factor authentication. We never sell your data — there's no business model that depends on it.

BUILT WITH THE COMMUNITY

BudgetLabs is founder-led. Real user feedback drives every roadmap decision. High-impact requests typically ship within a week.

EVERYWHERE YOU NEED IT

Works on iPhone, iPad, and the web. Your budget stays in sync across all your devices. Subscribe once on web, get Pro on iOS automatically.

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