Gnarli Budget

You make the decisions; software performs the calculations

Join the Beta

Free while in beta. No card required.

Beyond the spreadsheet

Structure, reconciliation, and FI tracking — $0 - $2 a month.

Every dollar gets a job

Budgets anchored to your payday, edited like a spreadsheet — paste straight from a spreadsheet — and cloned from last month.

Zero-based budget spreadsheet with paycheck inflows and a charity outflow

Know your FI number

Your financial independence target with compound growth projections, tracked as you log transactions.

Financial Independence Budget beside the target ring and stats, with Investment Savings Goals below

Reconcile against statements

Verify balances against the real statement and catch discrepancies before they compound.

Statement reconciliation summary cards and tagged transactions

Your bank never hears from us

  • No bank connections
    No aggregators, no shared credentials — no third party ever sees your accounts.
  • Transparent rules, not black-box AI
    63+ default categories with editable match rules you can read. Automation never overrides you.
  • Your data stays yours
    No ads, no data selling. Export or delete everything whenever you want.

You won't get lost

Guided setup, eight steps, none of them mandatory.

  1. Add your accounts with statement balance
  2. Import CSV, OFX, or paste from a spreadsheet
  3. Review your tags and automate categorization
  4. Create your first budget and track your finances

Complete them in any order, skip any of them, or skip onboarding entirely.

Pricing

Free

$0
  • • Up to 2 accounts
  • • Full zero-based budgeting
  • • Financial Independence (FI) tools
  • • Analytical insights: cash flow, balances and more

Unlimited

$2/mo
  • • Everything in Free
  • • 3 or more accounts
  • • Multi-user sharing

Ready to own every dollar?

Free to start. $2 a month when you need more.

Join the Beta

Free while in beta. No card required.

Questions?

How is this different from other budgeting solutions?
Same zero-based philosophy with no bank connections, at $2 a month instead of $8 or more. See how it compares
Why don't you offer bank connections?
Because handing a third party your bank credentials is the part of budgeting apps people most regret — CSV/OFX import with statement reconciliation keeps you in control.
Is my data private?
No ads, no data selling, no third-party access. Built and run by one independent developer — export or delete everything whenever you want.