# Gnarli Budget - Zero-Based Budget Software

> Budgeting on your terms—zero-based, privacy-first, and fully in your control. Take ownership of your money without sharing bank credentials.

Zero-based budgeting on your terms. Import your transaction history, clone monthly budgets, and see every dollar's impact—without sharing bank credentials. Privacy-first personal finance.

## Everything You Need to Take Control of Your Personal Finances

Import your transaction history 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.

- **Manual Transaction Import**: Import transactions from your bank's CSV files, paste tab-separated data from spreadsheets, or upload OFX. No bank connections, no third-party access—you control exactly what data is imported.
- **Automatic Categorization**: Transparent TagMatcher rules (contains, equals) 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.
- **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.
- **Advanced Insights & Reports**: Goal dashboards that update instantly as you log transactions, 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.
- **Complete Privacy**: No ads. No data selling. No third-party access. Your financial data stays yours, always.
- **Flexible Transaction Management**: Split transactions, inter-account transfers, recurring-bill templates, and a "forecast-through" view that merges upcoming payments with actual spend.
- **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

1. **Set Up Accounts**: Create accounts and configure import maps for your bank's CSV format.
2. **Import Transactions**: Upload CSV/OFX or paste from spreadsheet. Transactions are categorized automatically.
3. **Create Budgets**: Set monthly budgets aligned with your paychecks. Track spending vs. goals.
4. **Review Insights**: Analyze spending trends, identify patterns, and refine your budget.

## 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. Request full account deletion—your budget data is removed once processed. Complete data ownership.

## Learn & Grow

Free resources to help you master zero-based budgeting

- [Budget Insights](https://budget.gnar.li/insights.md): Practical guides, data-driven analysis, and actionable tips to help you take charge of your money.
- [Learn](https://budget.gnar.li/learn.md): Master your finances with our free, self-paced courses. Learn zero-based budgeting from the ground up.

## Ready to Take Control?

Zero-Based, Privacy-First Budgeting — Import Your Transactions, Own Every Dollar

Free forever for up to 2 accounts. Unlock unlimited accounts for $2/month, cancel anytime.

[Get Started Free](https://budget.gnar.li/registration/new)