Trajectory dashboard
The headline view combines liquidity, obligation trajectory, savings rate, and upcoming variance signals.
liquiditytrajectorysavings rate
// personal edition
Personal
BudgetR Personal
Operate the financial life you actually have.
Banking, credit, income, expenses, cascading debt, and retirement under one ledger — with monthly-close discipline and a real command line.
$ budgetr close --month 2026-05
→ variance reviewed · period locked · rolled forward
price
$39 / month
14-day free trial, no credit card.
// who it is for
Built for people whose finances no longer fit a budget app.
Several active obligations across more than one institution
Multiple income streams: W-2, bonus, 1099, stipends, or draws
Mortgage, rental, education, or credit obligations alongside daily cash flow
401(k), IRA, brokerage, and HSA all needing optimization
Monthly variance analysis currently living in a spreadsheet
Mint, YNAB, or Monarch no longer model the situation
// core modules
The operating layer for household complexity.
Income engineering
Model each income stream as a discrete object with frequency, adjustment dates, and annualized totals.
W-2 basebonus tiersstipends and draws
Expense management
Fixed and variable obligations roll into projections without letting one-off items pollute the baseline.
19 categoriesfrequency modelingvariance review
Cascading debt optimization
Budget-aware payoff plans account for freed cash flow, liquidity floors, break-even months, and interest saved.
avalanchecustom orderliquidity floor
Retirement engine
Pre-tax, Roth, after-tax, IRA, match, and profit-sharing buckets project with IRS limits and phaseout rules.
401(k)Rothreal-dollar projection
Monthly close workflow
Variance review, owner queues, immutable snapshots, tax accrual, and roll-forward discipline for personal finance.
reviewlockroll forward
30 MIN
to first operating snapshot
1 CLOSE
turns tracking into an operating cadence
1 LEDGER
banking, debt, income, retirement, close
// what is not included
- Tax workspace beyond basic accrual belongs to BudgetR Tax.
- Trading journal, brokerage analytics, and fee schedules belong to BudgetR Trader.
- Multi-entity business books and household shared accounts remain roadmap scope.
- BudgetR Personal does not move money or execute payments automatically.
// how to start
- 01Create a BudgetR account.
- 02Connect Plaid for banking, credit, brokerage, and lender coverage.
- 03Add obligations Plaid cannot see.
- 04Configure income streams.
- 05Review your first operating snapshot.
// pricing
$39 / month
- - Annual billing is $390/year, equal to two months free.
- - Founding member rate locks for 24 months.
- - Export your data at any time.
- - Account deletion purges data within 30 days.