BudgetFocus uses the proven envelope method to plan your spending, stay out of debt, and reach your financial goals—without ever connecting to your bank.
Start Your Free TrialFree for 14 days. No credit card required.
Allocate money toward paying off debt and watch it shrink with every paycheck.
Set aside money a little at a time for a vacation, a car, or a down payment.
Prepare for life's surprises so an unexpected expense doesn't become a crisis.
When you've planned for it, enjoy your spending without second-guessing yourself.
Decide how much income should flow into each category.
Your money goes to the bank and is split among envelopes at BudgetFocus.
Record your purchases with a few clicks.
Your plan becomes a reality.
Your cash stays safely at the bank while BudgetFocus divides it among envelopes with a couple of clicks. Pay however you like: cash, checks, or cards.
This is intentional. It makes safety a no-brainer. And recording your own spending gives you a fresh awareness of where your money goes—that alone is a huge value.
We don't track your behavior or tempt you to buy more stuff. This is a serious toolset built to help you reach your financial goals.
Start with How to Make a Spending Plan and Stick to it—a bootcamp that walks you through setting up your finances and thinking through where you want to go.
No recurring charges. One payment, one year of service.
Unlimited envelopes. Unlimited accounts. No credit card required for trial.
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