---
slug: beta
title: Join the Gnarli Budget Beta
meta_description: Budgeting that never touches your bank. Import your transactions, own every dollar — free to start, $2 a month.
meta_keywords: budgeting, beta, zero-based budget, privacy
og_title: Join the Gnarli Budget Beta
og_description: Budgeting that never touches your bank. Import your transactions, own every dollar — free to start, $2 a month.
og_image: budget-grid.webp
discoverable: true
noindex: false
sections:
  - type: hero
    cta: beta
    headline: Gnarli Budget
    subheading: You make the decisions; software performs the calculations
  - type: features
    title: Beyond the spreadsheet
    subtitle: Structure, reconciliation, and FI tracking — $0 - $2 a month.
    items:
      - icon: calculator
        title: Every dollar gets a job
        description: Budgets anchored to your payday, edited like a spreadsheet — paste straight from a spreadsheet — and cloned from last month.
        image: budget-grid.webp
        image_alt: Zero-based budget spreadsheet with paycheck inflows and a charity outflow
        image_width: 974
        image_height: 401
      - icon: target
        title: Know your FI number
        description: Your financial independence target with compound growth projections, tracked as you log transactions.
        image: fi-dashboard.webp
        image_alt: Financial Independence Budget beside the target ring and stats, with Investment Savings Goals below
        image_width: 976
        image_height: 701
      - icon: refresh
        title: Reconcile against statements
        description: Verify balances against the real statement and catch discrepancies before they compound.
        image: reconciliation.webp
        image_alt: Statement reconciliation summary cards and tagged transactions
        image_width: 976
        image_height: 520
  - type: trust
    title: Your bank never hears from us
    items:
      - icon: shield-lock
        label: No bank connections
        description: No aggregators, no shared credentials — no third party ever sees your accounts.
      - icon: tag
        label: Transparent rules, not black-box AI
        description: 63+ default categories with editable match rules you can read. Automation never overrides you.
      - icon: upload
        label: Your data stays yours
        description: No ads, no data selling. Export or delete everything whenever you want.
  - type: steps
    title: You won't get lost
    subtitle: Guided setup, eight steps, none of them mandatory.
    items:
      - Add your accounts with statement balance
      - Import CSV, OFX, or paste from a spreadsheet
      - Review your tags and automate categorization
      - Create your first budget and track your finances
    note: Complete them in any order, skip any of them, or skip onboarding entirely.
  - type: pricing
    title: Pricing
    background_variant: gradient
    cta: beta
    closing_title: Ready to own every dollar?
    closing_subtitle: Free to start. $2 a month when you need more.
    tiers:
      - name: Free
        price: "$0"
        features:
          - Up to 2 accounts
          - Full zero-based budgeting
          - Financial Independence (FI) tools
          - "Analytical insights: cash flow, balances and more"
      - name: Unlimited
        price: $2/mo
        featured: true
        features:
          - Everything in Free
          - 3 or more accounts
          - Multi-user sharing
  - type: faq
    title: "Questions?"
    open_first: true
    items:
      - question: How is this different from other budgeting solutions?
        answer: Same zero-based philosophy with no bank connections, at $2 a month instead of $8 or more.
        link_text: See how it compares
        link_url: /compare
      - question: Why don't you offer bank connections?
        answer: 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.
      - question: Is my data private?
        answer: No ads, no data selling, no third-party access. Built and run by one independent developer — export or delete everything whenever you want.
---