Budgeting made easy.
Know where your money stands the moment you spend it, and watch your net worth grow month by month. Purchases land seconds after you pay, ready to file.
Easy as 1, 2, 3
Three steps. Then it just works.
Step 1: Set up your budget
Name a few folders and set how much each one gets this month. Groceries, gas, fun money. That's the whole plan.
Step 2: Forward your card alerts
Turn on purchase alerts for your credit or debit card (many major US cards are fully supported, and AI reads alerts from cards that are new to us), and one email filter forwards them to BudgetBucks; works with Gmail, Outlook, iCloud, and more.
Step 3: Tap or pay. Done.
Pay like you always do. Each purchase shows up in your Inbox; drop it in a folder and you're done.
Real-time data
Tap or pay. Seconds later,
it's in your budget.
Many major US credit and debit cards are fully supported, and AI reads alerts from cards that are new to us. Turn on your card's alerts, forward them to your BudgetBucks address, and purchases land in your Inbox moments after you pay, ready to file. Card purchases only, credit or debit.
See it in real life. A $20.61 gas purchase showed up in BudgetBucks 8 seconds after paying.
New card to us? AI reads its alerts so they still land in your Inbox, tagged for you to check, while we add full support.
Pump checks, handled. Those $1 verification charges at the gas pump move to Deleted on their own, so they never clutter your Inbox.
Real-time is optional. Add purchases by hand anytime.
Reports
Reports worth reading. Clear in a glance.
See every month against your plan, the places that get the most of your money, and your spending day by day.
Rules & splits
Your budget learns your habits. You stay in charge.
File the same store twice and BudgetBucks offers to do it for you, and every auto-filed purchase says why. Mixed purchase? Split it across folders in a couple of taps.
Planning tools
Then zoom out. Tools for the long game.
Your budget covers this month. These tools cover the years ahead. Same app, same login, all included.
Net Worth
Track what you own and owe with one quick snapshot a month, and watch the total change over time.
Retirement Calculator
See what steady saving could grow into, and what the 4% rule says it could pay you each month.
Investment
See how steady investing could grow over the years.
Debt Payoff
Compare paying the highest rate first with the smallest balance first, and see the month it's all paid off.
Emergency Fund
Rest easy knowing your number. See how much would carry you through a few lean months if your income ever stopped.
Savings Goals
A kitchen, a car or a vacation. Name a goal, update your total as you go, and watch the progress line climb.
Escrow Fund
Big bills, no surprises. List the bills that come once or twice a year, like insurance and property tax, and see what to set aside each month.
New: Escrow Fund
Big bills, no surprises.
List the bills that come once or twice a year, like insurance and property tax, and see what to set aside each month.
Escrow Fund
Car Insurance
$4,244 a year · due May and Nov
- Car InsuranceMay and Nov$4,244
- Property TaxNov$2,800
- Homeowners InsuranceMay$2,274
- Car Tags (Truck)Mar$90
Set aside $784 each month
Your year at a glance
See the big months coming, a year ahead.
- Jan
- Feb
- Mar
- Apr
- May
- Jun
- Jul
- Aug
- Sep
- Oct
- Nov
- Dec
Jan 2027Dec 2027
Made to be fun
Budgeting you'll look forward to.
A minute a day keeps your budget sharp. File what's new, play today's Bucks Trivia, and collect badges as good habits add up, with confetti when you earn one. No guilt trips, just progress you can see.
Bucks TriviaA daily game about your money
- A handful of quick questions about your own spending: your total at a favorite spot, your busiest folder, your priciest day of the week.
- A money math bonus closes every round. Tips, sales, savings, quick and handy.
- Fresh every day. Close guesses still score, and every answer comes with a friendly tip.
Unlocks after 2 weeks and 20 purchases at 5 or more places, so the questions are really about your spending.
Good habits, rewarded
18 badges for planning your month, filing purchases, and staying on target. They unlock on their own, never cost a thing, and the Badge Vault shows your progress toward the next one.
Master Budgeter
Earn all 18 badges to claim the crown.
- Fresh Folder
- Plugged In
- First File
- Fully Planned
- Rule Maker
- On Autopilot
- Split Decision
- Locked Down
- Century
- Thousand Club
- Closed the Books
- On Target
- Clean Sweep
- Hat Trick
- Spotless Year
- Steady All Year
- Six Months Strong
- One Year In
Side quests
Keep a Bucks Trivia streak going
Play days in a row to earn 4 bonus badges, just for fun and separate from the 18. Miss a day and the count starts over, but what you've earned stays.
- Hot Streak30 days
- Ninety Strong90 days
- Half-Year Whiz180 days
- Trivia Legend365 days
Security & reliability
No bank login. No broken connections.
Many budgeting apps link to your bank through a third-party connection service. BudgetBucks takes a different path: it reads the purchase alerts your card company itself sends, as close to the source as it gets.
| Topic | Apps that link to your bank | BudgetBucks |
|---|---|---|
| Where purchases come from | A third-party connection service signs in to your bank and pulls your transactions. | The purchase alerts your card company emails you, forwarded to BudgetBucks. |
| Your bank login | You sign in to your bank through that service and give it ongoing access to your accounts. | Never asked for. No bank login and no full card number. |
| Staying connected | Connections can break when your bank changes its sign-in or a security check expires, and then need re-linking. | Nothing to re-link. Alerts keep coming as long as your card sends them. |
| Speed | New purchases often take hours, and sometimes one to three days, to show up. | Usually seconds after you pay. |
| Who is in between | Your data passes through the connection company before it reaches the app. | Your card company, your own email, then BudgetBucks. |
Nothing to reconnect
Bank connections can break, need re-linking, and stumble on pending charges. BudgetBucks doesn't use them, so there's nothing to re-link and each purchase arrives once.
Private by design
No bank login, no full card number, and nothing that can move money. Off-site backups within seconds, verified accounts, and passkey sign-in with Face ID, Touch ID or your fingerprint.
How is BudgetBucks different from apps that link to your bank?
Apps that link to your bank rely on a third-party connection service that signs in to your bank for you. Those connections can break and need re-linking, and new purchases often take hours or days to appear. BudgetBucks never asks for your bank login. It reads the purchase alerts your card company already sends, so purchases usually land in seconds and there is no connection to break. It tracks credit and debit card purchases; income and account balances you enter yourself in a few taps.
Pricing
Everything included. Pay yearly and save.
Best value · Save 18%
Yearly
$79/year
Just $6.58/mo, billed yearly
2 months free. You save $16.88 a year.
Start your free month- First month free, no card needed to start
- Everything included: real-time purchases, reports, rules, splits, badges, and all seven planning tools
- Pick monthly or yearly when you subscribe. Cancel anytime.
30 days free. No card needed.
This month and the long game.
Your budget, filed in seconds. Your net worth, a few minutes a month. Set it up tonight.
30 days free. No card needed.