Manual finance workspace
WiseBudget
Plan the month, keep a ledger, carry funds forward, classify transactions, and review what actually happened without mixing up accounts, budget items, and categories.
Available in the beta: manual planning, statement imports, reconciliation, audit history, review-first recurring schedules and transfers, account forecasts, alerts, and reports. Bank connections are not available.
May 2026 review
$0.00 left to assign
Category report
Bills, Spending, Debt
Spending
The model
Clear financial objects, clear reports.
WiseBudget separates the monthly plan from the ledger. Funds carry balances across months, recurring schedules stay explicit, and transfers stay out of income and spending totals.
Accounts
Where money lives: checking, savings, credit, cash.
Budget items
Monthly envelopes for the plan, independent from accounts.
Categories
Cross-budget classification for income and expenses.
Transactions
The ledger row that connects account, optional budget item, and optional category.
Transfers
Account-to-account movement, outside income, expenses, and budget spending.
Product status
Useful now. Honest about what comes next.
The beta focuses on financial correctness before automation. Reconciliation, forecasts, saved reports, alerts, and recurring review are available now; nothing posts silently and bank feeds are not connected.
What works today
Manual monthly budgeting
Create budget groups and budget items for each month, including fund carryover.
Accounts and imports
Track running balances and import CSV, OFX, or QIF statements with duplicate review.
Reconciliation and audit
Compare the ledger with statements and keep a traceable history of financial changes.
Review-first schedules
Prepare recurring income, bills, and two-account transfers, approve or skip each occurrence, and recover future schedules without rewriting reviewed history.
Reports and forecasts
Use saved views, plan performance, trends, net-worth and fund history, exact source drilldowns, and account cash-flow forecasts.
Explainable alerts
Configure deduplicated in-app or push alerts with delivery controls and direct account or budget context.
Coming later
Guided setup
Turn the first account and first monthly plan into a goal-aware onboarding flow.
Debt payoff planning
Add interest, payment, and target-date semantics before presenting payoff recommendations.
Household collaboration
Explore selective sharing, roles, comments, and shared goals with privacy controls.
Bank connections
Revisit automatic bank activity only if a sustainable zero-cost option proves viable.
Pricing
Free beta while the trust layer matures.
The current public product is free. Pro pricing is intentionally undecided while beta feedback shapes guided setup, debt payoff planning, household collaboration, and support.
Beta
Planning, ledger review, and trust workflows.
$0
current product