# Gnarli Budget > 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. ## Insights - [Statement Reconciliation](https://budget.gnar.li/insights/statement-reconciliation.md): Learn how to use statement reconciliation to verify your balances, fix misdated transactions, and keep your budget aligned with your bank. - [Financial Independence Goals](https://budget.gnar.li/insights/financial-independence-goals.md): Learn your FI Number, model FIRE variants (Coast, Lean, Fat, Barista), and see how starting age changes the math. Build a future budget and track progress in one interactive page. - [Share Budgets Securely](https://budget.gnar.li/insights/multi-user-account-sharing.md): Share financial accounts with family members or partners using granular access levels. Learn how View Only and Full Access permissions keep everyone on the same page—securely. - [The Story Behind Gnarli Budget](https://budget.gnar.li/insights/personal-motivation-a-story-by-the-creator.md): From financial train-wreck to positive net worth: The personal journey that led to building Gnarli Budget. Learn how tracking every dollar and living within your means can transform your financial future. - [Zero-Based Budgeting Made Simple](https://budget.gnar.li/insights/zero-based-budgeting-made-easy.md): Set up a zero-based budget in minutes. Auto-clone monthly budgets, import transactions, forecast cash-flow, and track net-worth—all in one secure app. - [Saving Money for Investing](https://budget.gnar.li/insights/saving-money-for-investing.md): The S&P 500 gained ~17% in 2025. Learn how intentional budgeting helps you save for investing instead of spending on auto-pilot and letting your bank balance decide what you can save. - [Privacy and Security](https://budget.gnar.li/insights/privacy-and-security.md): Discover how our privacy-first approach protects your financial data. No bank connections, zero third-party access, complete data control—your budget, your data, your privacy. - [Preparing for Your Budget](https://budget.gnar.li/insights/preparing-for-your-budget.md): Before creating your budget, gather these essential financial details: take-home pay, fixed expenses, variable costs, and debts. Having this information ready makes budget creation faster and more accurate. - [Manual Imports vs. Auto-Sync](https://budget.gnar.li/insights/manual-imports-vs-auto-sync.md): Discover how manual transaction review beats auto-sync for accuracy, goal alignment, and financial mindfulness. Learn why DIY budgeters prefer hands-on control. - [How to Create a Budget](https://budget.gnar.li/insights/how-to-create-a-budget.md): Learn how to create a zero-based budget using our app's unique features: monthly-budget workflow, TagMatcher rules, statement reconciliation, and cash-flow forecasting. - [Getting Started with Budgeting](https://budget.gnar.li/insights/getting-started-with-budgeting.md): Learn how to start budgeting in three phases: Capture your data, Setup your zero-based budget, and Review your progress. Step-by-step guide for beginners. - [Cash Flow Forecasting](https://budget.gnar.li/insights/cash-flow-forecasting.md): Learn how cash flow forecasting helps you spot overspending before it happens. Combine actual and upcoming transactions to project future balances and stay ahead of your budget. ## Compare - [Personal Budgeting Apps Compared](https://budget.gnar.li/compare.md): Gnarli Budget, YNAB, Monarch Money, Quicken Simplifi, Copilot Money, Lunch Money, and DollarWise compared: philosophy, strengths, drawbacks, and who each app is best for. ## About - [About Gnarli Budget](https://budget.gnar.li/about.md): Who is behind Gnarli Budget, what the project stands for, and who it is for: one independent developer, privacy first, proactive planning. ## Join the Gnarli Budget Beta - [Join the Gnarli Budget Beta](https://budget.gnar.li/beta.md): Budgeting that never touches your bank. Import your transactions, own every dollar — free to start, $2 a month. ## Learn - [Every Dollar's Job · Welcome & Philosophy · You Decide, We Calculate](https://budget.gnar.li/learn/every-dollars-job/module-1/you-decide-we-calculate.md) - [Every Dollar's Job · Welcome & Philosophy · What the App Automates (and What It Doesn't)](https://budget.gnar.li/learn/every-dollars-job/module-1/what-the-app-automates.md) - [Every Dollar's Job · Prepare Your Inputs · Find Your Real Numbers](https://budget.gnar.li/learn/every-dollars-job/module-2/find-your-real-numbers.md) - [Every Dollar's Job · Prepare Your Inputs · Preparation Checklist](https://budget.gnar.li/learn/every-dollars-job/module-2/preparation-checklist.md) - [Every Dollar's Job · Get Your Data In · Set Up Your Sandbox](https://budget.gnar.li/learn/every-dollars-job/module-3/set-up-your-sandbox.md) - [Every Dollar's Job · Get Your Data In · Import & Match Your Bank](https://budget.gnar.li/learn/every-dollars-job/module-3/import-and-match-your-bank.md) - [Every Dollar's Job · Make It Categorize Itself · TagMatcher Rules](https://budget.gnar.li/learn/every-dollars-job/module-4/tagmatcher-rules.md) - [Every Dollar's Job · Build Your Zero-Based Budget · Create Your First Budget](https://budget.gnar.li/learn/every-dollars-job/module-5/create-your-first-budget.md) - [Every Dollar's Job · Plan Ahead · Bills, Big Expenses & Sinking Funds](https://budget.gnar.li/learn/every-dollars-job/module-6/bills-big-expenses-and-sinking-funds.md) - [Every Dollar's Job · Live In Your Budget · Daily Tracking](https://budget.gnar.li/learn/every-dollars-job/module-7/daily-tracking.md) - [Every Dollar's Job · Understand Your Spending · Insights Dashboard](https://budget.gnar.li/learn/every-dollars-job/module-8/insights-dashboard.md) - [Every Dollar's Job · Keep It Accurate & Sustain It · Reconciliation & Sustaining Your Budget](https://budget.gnar.li/learn/every-dollars-job/module-9/reconciliation-and-sustaining-your-budget.md) - [Every Dollar's Job · Plan Your Financial Independence · Your FI Number](https://budget.gnar.li/learn/every-dollars-job/module-10/your-fi-number.md) - [Every Dollar's Job · Plan Your Financial Independence · Your FI Budget](https://budget.gnar.li/learn/every-dollars-job/module-10/your-fi-budget.md) - [Every Dollar's Job · Household & Sharing · Share an Account With Your Partner](https://budget.gnar.li/learn/every-dollars-job/module-11/share-an-account.md) - [Every Dollar's Job · Household & Sharing · Run the Monthly Review Together](https://budget.gnar.li/learn/every-dollars-job/module-11/run-the-monthly-review-together.md) ## Optional - [Home](https://budget.gnar.li/index.md) - [Sign up](https://budget.gnar.li/registration/new)