Neptune: Money Management

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Neptune: Money Management

Connect your bank, and Neptune does the rest. Every transaction is automatically categorized, every subscription surfaced, every bill tracked — so you actually know where your money goes and what's coming next.

Built for people who want clarity without spreadsheets, Neptune turns your accounts into a living picture of your finances. See your cashflow in real time, set budgets that adapt, and get gentle, plain-English coaching the moment something looks off.

Why people use Neptune • Connect every account in seconds with secure bank linking • Watch your money move with a live cashflow view • Stop forgetting about Netflix, the gym, or that random $4.99 — Neptune finds your subscriptions and bills automatically • Know the difference between essential bills (rent, utilities, insurance) and discretionary subscriptions, side-by-side • AI categorization that actually learns your spending — no rules to write • Build a budget in minutes with one of five strategies (Zero-Based, 50/30/20, Envelope, Flex, or fully custom) • Track goals — emergency fund, vacation, a big purchase — and see them grow alongside your spending • Pull up any past day to see exactly what your finances looked like at that moment • Share with a partner via household invites — everyone sees the same source of truth • Visual spending breakdowns with pie charts (Base+) • Advanced insights, forecasting, and goal projections (Base+) • Unlimited AI coaching that surfaces insights like "you spent 40% more on dining this month" — without the lecture (Base+)

Privacy first Your bank credentials never touch our servers. We use bank-grade encryption (Plaid) and never sell your data. Read-only access, always.

Neptune is the budgeting app for people who'd rather understand their money than wrestle with it.

— SUBSCRIPTION REQUIRED — Neptune requires an active subscription to use. After installing, choose between two paid plans:

• Base — full budgeting, transactions, bank syncing, and limited AI suggestions. • Base+ — everything in Base, plus unlimited AI coaching, pie charts and visual breakdowns, advanced insights and forecasting, goal projections, and multi-account dashboard.

Pricing: • Base Monthly — $8.99/month • Base Yearly — $95.99/year • Base+ Monthly — $16.00/month • Base+ Yearly — $179.99/year

Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscription by going to your Apple ID account settings after purchase.

Terms of Use: https://neptunebudget.com/terms Privacy Policy: https://neptunebudget.com/privacy