EVERYDAY MONEY, ONE SYSTEM
accounts · spending · planning
Bring supported accounts, transactions, recurring bills, spending, cash-flow planning, annual budgets, and debt payoff into one reviewable workspace.
Try the interactive sample, then follow the read-only Personal guide. No bank connection is required.
Planning and review software. BudgetR does not move money or make financial decisions for you.
THE EVERYDAY JOB
A balance feed explains what happened. A useful money system also needs recurring obligations, manual corrections, projected cash flow, a working budget, and debt decisions.
BudgetR keeps those records connected so new activity can be reviewed once, traced to its source, and compared with the plan instead of reconciled across separate apps and spreadsheets.
THE CORE PRODUCT
Connect supported bank and credit accounts through Plaid, then add manual accounts and records where a connection has gaps.
Review cash, credit, debt, and supported investment balances without treating an imported number as unquestionable.
Search bank, card, and manual activity in one account-aware ledger.
Review categories, notes, visibility, recurring status, transfers, refunds, and links before activity changes a plan.
Break down actual spending by category, merchant, account, and available tags across a chosen period.
Move from a summary to the underlying transactions instead of stopping at a decorative chart.
Review detected and manual recurring series for bills, subscriptions, transfers, loans, and income.
See the expected cadence and next occurrence, then correct the series when the source data is wrong.
Project account balances from recurring income, obligations, and planned activity across the selected horizon.
Surface the lowest projected balance and days-until-negative risk instead of only reporting last month.
Keep twelve months of planned amounts, actuals, variance, notes, rollovers, and review state in one Budget Grid.
Lock a reviewed month and unlock it when a correction is needed; locks are review markers, not immutable books.
Compare avalanche, snowball, and custom payoff orders with projected payoff dates and estimated interest.
Model how extra cash cascades to the next obligation while preserving a configured reserve.
Review the dashboard's point-in-time assets and liabilities without presenting that snapshot as historical net-worth tracking.
Model retirement balances from explicit contribution and growth assumptions, then inspect the assumptions before relying on the projection.
THREE USEFUL REVIEW RHYTHMS
Check which accounts refreshed, review new transactions, correct categories, and clear the items that need attention before they distort the month.
See upcoming income, bills, subscriptions, transfers, and planned expenses against projected account balances before deciding what is safe to spend.
Compare debt payoff strategies, review annual plan-versus-actuals, and understand how today's recurring commitments affect future liquidity.
CORE FIRST, ADVANCED WHEN NEEDED
Personal is the core BudgetR product. Tax adds year-round planning; Trader adds active-account journaling and analytics. Most people should begin with Personal and add specialist depth only when needed.
recommended
PersonalAnnual: $79 / yr
The product most people should start with.
Accounts, transactions, recurring activity, cash flow, annual planning, debt payoff, and retirement modeling.
For the everyday work of understanding, planning, and reviewing personal finances.
Open this only if year-round tax planning or an actively managed trading account is part of the job.
Annual: $159 / yr
everything in PersonalOptional tax-planning depth.
Schedule C inputs, supported 4797 summaries, NOL carryforward, recorded payments, authority-labeled previews, and JSON/CSV review exports.
Add only when year-round tax inputs and projections are part of your workflow.
Annual: $199 / yr
everything in TaxOptional active-account depth.
Schwab sync, Sharpe / Sortino / Calmar, TWR vs IRR, fee schedules, gamma-exposure views, and tax-planning summaries.
Add only when an actively managed account needs a journal, risk metrics, and fee review.
Registration records the selected tier and billing cadence. There is no automated checkout yet; access is reviewed before the trial begins.
DEMO BEFORE IMPORTS
Work through three synthetic decisions, then follow six guided stops through the real Personal workspace. Optional Tax and Trader routes remain secondary structure previews.
See what is available, clear a small review queue, and model how a planned expense changes the month.
Six focused stops connect the dashboard, transactions, recurring activity, cash flow, annual plan, and debt payoff.
Synthetic bank, income, expense, recurring, and loan records are available for inspection.
Evaluation uses a sample household rather than your financial accounts.
Demo contains synthetic data. It is for product evaluation only.
CONVICTIONS
A useful plan starts with visible account freshness, reviewable imports, and corrections that do not disappear behind a score.
Balances, spending totals, recurring projections, and variances should be explainable from the accounts and transactions underneath them.
Imported and suggested activity remains visible before it changes categorization, recurring schedules, or planning views.
Tax and active-trading workspaces add specialist depth without taking over the everyday account, spending, cash-flow, and debt experience.
BUILT FOR TRUST
BudgetR keeps the trust surface narrow and concrete: external credentials stay with Plaid, sessions use hardened cookies, passwords are hashed, access tiers are enforced server-side, and demo mode blocks imports.
EVALUATE BEFORE CONNECTING ACCOUNTS
Try the interactive sample and launch a read-only Personal session without connecting Plaid or Schwab. When you are ready to use your own data, request access; the configured trial starts after approval.