Get Gnar.li
Budgeting on your terms—zero-based, privacy-first,
and fully in your control.
Everything You Need to Take Control of Your Personal Finances
Import your historic CSVs in seconds, let the app clone a ready-made monthly budget, and see every dollar's impact in real time—without ever sharing your bank credentials. Take complete ownership of your money, stay completely private, and finally get the disciplined, transparent budgeting experience you've been waiting for.
Budget Planning
A zero-based "every-dollar-has-a-job" workflow that clones the prior month's line items, giving you a ready-made skeleton each cycle while preserving full control.
Complete Privacy
No ads. No data selling. No third-party access. Your financial data stays yours, always.
Manual CSV Import
Import transactions from your bank's CSV files. No bank connections, no third-party access—you control exactly what data is imported.
Flexible Transaction Management
Split transactions, inter-account transfers, recurring-bill templates, and a "forecast-through" view that merges upcoming payments with actual spend.
Automatic Categorization
Transparent TagMatcher rules (contains, equals, regex) that learn your patterns but stay fully editable—automation that never overrides your intent.
Multi-User Account Sharing
Share accounts with family members or partners using granular access levels—View Only to monitor spending, or Manage to collaborate on transactions.
Advanced Insights & Reports
Real-time goal dashboards, period-over-period trend charts, category breakdowns, and a custom report builder that can be exported to CSV for deeper offline work.
Financial Independence Goals
Plan your path to financial independence with savings goal projections, a dedicated FI budget, and progress tracking toward your target FI Number.
Guided Onboarding
The onboarding flow walks you through importing data, setting up your first zero-based budget, and defining financial goals in minutes.
How It Works
Simple, transparent budgeting
Set Up Accounts
Create accounts and configure import maps for your bank's CSV format.
Import Transactions
Upload CSV files. Transactions are automatically categorized using tag matchers.
Create Budgets
Set monthly budgets aligned with your paychecks. Track spending vs. goals.
Review Insights
Analyze spending trends, identify patterns, and refine your budget.
Learn & Grow
Free resources to help you master zero-based budgeting
Built for Privacy-Conscious Users
Independent budgeting software, not big tech
No Bank Connections
Manual CSV import means we never access your bank account. You're in complete control.
No Ads or Tracking
We don't track you, show ads, or sell your data. Period.
Independent Company
Built by people who budget daily, not a faceless corporation.
You Own Your Data
Export anytime. Delete your account with zero retention. Complete data ownership.
Ready to Take Control?
Zero-Based, Privacy-First Budgeting — Import Your CSVs, Own Every Dollar
Get Started Free