Your Complete Financial Command Center
Connect your banks, automate your categories, track your net worth. All in one free app.
Join thousands already managing their finances smarter.
Assets
$24,500
Debts
$8,200
Net Worth
$16,300
Net Worth — 30 Days
Whole Foods
Food
-$67.42
Direct Deposit
Income
+$2,450.00
Netflix
Entertainment
-$15.99
Secured by industry leaders
Features
Everything you need to master your money
From bank connections to AI-powered insights, Budgefy gives you complete control over your financial life.
Bank Connection
Connect all your accounts via Plaid. Checking, savings, credit cards, loans, investments — synced automatically.
Smart Transactions
Every transaction searchable, filterable, and categorized. Bulk edit hundreds in seconds.
Budget Tracking
Set monthly budgets by category. Track spending with progress bars and over-budget alerts.
Net Worth Dashboard
See your complete picture — assets vs debts with a 30-day trend chart.
Auto-Categorization
Build custom rules with AND/OR logic. Auto-categorize every transaction on sync.
AI Assistant
Ask questions about your spending. Get personalized insights from your financial data.
Financial Literacy
Access courses and resources that teach you how to eliminate debt, build wealth, and take control of your financial future.
Bank Like a Bank
Use Indexed Universal Life strategies to become your own lender — borrow against your policy's cash value with tax-free growth and zero risk to principal.
Strategy & Planning
Personalized debt elimination roadmap and wealth-building strategy. Go from tracking to transforming.
How it works
Get started in minutes
Sign up for free
No credit card, no trial period, no catch. Create your account in seconds.
Connect your banks
Link your accounts via Plaid. Or add them manually — your choice.
Take control
Track spending, set budgets, and watch your net worth grow.
Whole Foods Market
Food & Dining
-$67.42
Feb 14
Spotify
Entertainment
-$9.99
Feb 13
Direct Deposit
Income
+$2,450.00
Feb 12
Shell Gas
Transportation
-$45.20
Feb 11
Every Transaction, Under Control
- Search by name, merchant, amount, or date range
- Filter by category, tags, account, or payment type
- Bulk categorize, tag, or assign merchants in one click
- Manual transaction entry for accounts outside Plaid
Automate Your Categories. Zero Effort.
- Build conditions with AND/OR logic groups
- Match on merchant name, amount, Plaid category, and more
- Set category, merchant, and tags in one rule
- Auto-apply on every bank sync — retroactive too
Auto-Categorize: Groceries
If all match
February 2026
Know Exactly Where Your Money Goes
- Monthly budgets by category with visual progress bars
- Over-budget alerts with percentage indicators
- Navigate month-to-month to see spending trends
- One-click budget creation with smart defaults
From Debt to Wealth — Your Personalized Roadmap
- Personalized debt elimination plan with optimized payoff schedules
- Actionable recommendations: refinancing, balance transfers, payment optimization
- Compare snowball, avalanche, and premium strategies side-by-side
- Proprietary hybrid wealth-building strategy that works alongside your payoff
- See exactly when you'll be debt-free — and what your wealth looks like after
Your Financial Roadmap
Pricing
Start free. Upgrade when you're ready.
Get the essentials for free, forever. Unlock premium strategies and professional tools when you need more.
Free
Everything you need to track your finances.
- Up to 10 Plaid bank connections
- Unlimited manual accounts
- Full transaction management with filters
- 13 default + custom categories
- Monthly budget tracking by category
- Net worth dashboard + 30-day chart
- Up to 3 auto-categorization rules
- Basic AI chat (5 messages/period)
Premium
Transform your debt into wealth.
- Everything in Free
- Unlimited Plaid connections
- Unlimited auto-categorization rules
- 100 AI messages per period
- Strategy Page — debt-to-wealth roadmap
- Smart Planner — optimized payoff + recommendations
- Debt payoff strategies (avalanche, snowball, premium)
- Advanced analytics & insights
- Financial presentations with PDF export
Personal strategy sessions
Your debt has an end date. Let's find it together.
Sit down with a financial educator who'll map out your fastest path from debt to financial freedom.
Join 6,000+ people who've taken control of their debt.
What you walk away with
Your debt-free date
AI-driven analysis finds the fastest, most efficient path to eliminate your debt.
A wealth-building strategy
See how to turn your debt payments into wealth-growing assets once you're free.
Your personalized roadmap
Step-by-step action plan built around your income, debts, and goals.
FAQ
Common questions
Ready to take control of your money?
Join thousands who track their finances with Budgefy. Free forever.
Get Started FreeNo credit card required. Set up in under 2 minutes.