Get Gnar.li
Budgeting is personal and should be simple.
Take full control of your finances.
Everything You Need to Take Control of Your Personal Finances
Privacy-focused budgeting without the hassle
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.
Automatic Categorization
Tag matchers learn your spending patterns and automatically categorize transactions. Review and customize rules anytime.
Budget Planning
Create monthly budgets aligned with your payroll schedule. Track spending vs. budget with real-time updates.
Advanced Insights & Reports
Comprehensive analytics with income vs expenses analysis, custom report builder, monthly trends, and category breakdowns. Export reports to CSV for external analysis.
Complete Privacy
No ads. No data selling. No third-party access. Your financial data stays yours, always.
Flexible Transaction Management
Split transactions, transfer between accounts, schedule recurring bills, and forecast future spending.
Guided Onboarding
8-step setup process walks you through accounts, import maps, tags, and your first budget.
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.