Personal budgeting · invite-only

Know what's left to spend, bills included.

UnderBudget brings in your bank transactions, sorts them with rules you set, and counts the recurring bills that haven't hit yet, so the number you see is what you can actually spend this month.

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The demo is your own copy with sample data: no sign-up, nothing to connect, and it's deleted after 24 hours.

This month

October

$1,286.40

left of $3,710

On pace
54% spent48% of the month gone
Spent
$2,014
Bills to come
$140
Per day
$54

How it works

From bank to budget in three steps

Set it up once. After that, most of your month is categorized, matched to its bill and counted for you.

  1. 1

    Bring in your transactions

    Link your bank through SimpleFIN Bridge and new transactions arrive on their own. No bank to link? Import an Excel file or add them by hand.

    Add transactions

    • From your bankSimpleFIN Bridge
    • Import a spreadsheet.xlsx or .xls
    • Add by handCash, anything missed
  2. 2

    Review before anything lands

    Bank transactions wait in a review queue with categories filled in by your rules. Likely duplicates and charges that look recurring are flagged, and you confirm before anything is saved.

    Review queue

    • Trader Joe's

      GroceriesRule: Trader Joe's

      −$64.37

    • HULU 877-824-4858

      SubscriptionsLooks monthly

      −$17.99

    • AMAZON.COM*7Q2RT

      ShoppingPossible duplicate

      −$36.18
    Import 3
  3. 3

    Plan around what's coming

    Recurring rules know each bill's schedule and cost, so your budget bars, pace and per-day amount already allow for the bills that haven't been charged yet.

    Recurring bills

    9 active bills

    $139.98still to come

    • Xfinity Internetin 2 days$70.00
    • Spotifyin 7 days$11.99
    • Verizonin 10 days$55.00

Features

Everything about this month, in one place

A budget that knows your bills, rules that do the sorting, and dashboards that show where it all went.

Everyday spending, with the bills set aside

The monthly dashboard paces day-to-day spending against what your budget leaves once rent and subscriptions are paid, and says how far under or over you are today.

Everyday spending

$1,281.00left

out of $1,920.00 for everyday spending

On pace
Everyday spendingEven pace to $1,920.00

Your $3,710.00 budget minus $1,790.00 in recurring bills ($1,650.00 charged, $140.00 still to come). Recurring transactions are left out of this chart, so it shows everyday spending on its own.

Spent
$639
Per day
$75
Month end
$1,321
Days left
17

A budget that sees bills coming

Every bar shows what you've spent and, striped, the recurring bills still to come. Go over and a line marks where the budget ended.

Budgets

  • Groceries$468 / $650
  • Utilities$108 / $260
  • Dining Out$312 / $300

Rules that do the sorting

Match a charge once and it's categorized and renamed from then on. Recurring rules track each bill's schedule and cost; pause one when you cancel.

Rules

  • RentMonthly$1,650 · fixednext in 16 days
  • NetflixMonthly$15.49next in 23 days
  • PaycheckEvery 2 weeks+$2,450next in 8 days
  • Disney+MonthlyPaused

Your year at a glance

Income against spending month by month, category trends and your largest expenses. Click any month to open it.

Yearly dashboard

Income in emerald; a month that spent more than came in stands out.

Every account, one net balance

Linked and hand-tracked accounts side by side, each with its own connection status and balance history.

Accounts

  • CheckingOK$4,282.16
  • SavingsOK$9,614.37
  • VisaOK-$642.18

Four views of every month

Flip between them with the arrows or a swipe, and star the one you want to open on.

By categoryEveryday spendingBudget vs actualSpending mix
  • Excel import with column mapping
  • A duplicate finder
  • Split cost rules for shared bills
  • Balance history for every account
  • Page tips and step-by-step guides
  • Light and dark themes, built for phones

Security

Built for money you care about

UnderBudget holds bank-linked financial data, so it's careful about what it stores and who can see it.

  • Your bank login never touches UnderBudget

    Banks connect through SimpleFIN Bridge, a small paid service that works with most US banks and credit unions. You sign in to your bank there, not here.

  • Bank access is encrypted

    The access link SimpleFIN issues is encrypted before it's stored and is only ever used on the server. It never reaches your browser.

  • Only you can see your data

    Every table is locked to its owner by the database itself, so one account can never read another's transactions.

  • AI only when you ask

    Rules, pace and bill projections run without AI. AI Auto-Categorize and rule suggestions send transaction descriptions and amounts to Anthropic only when you click them.

  • Invite-only

    Accounts are created by invitation. Invited? Open the link in your invitation email to set your password.

Questions

Good to know

The short answers. The guides have the rest.

Who can use UnderBudget?

Accounts are invite-only for now. If you've been invited, open the link in your invitation email to set your password, then sign in. Anyone can try the demo.

What's in the demo?

A budget, about three months of history, recurring bills with rules, a review queue and sample accounts, all yours to explore and change. AI features and bank linking are turned off, and the whole demo is deleted after 24 hours (or when you choose Exit demo).

Do I have to link a bank?

No. You can import an Excel file or add transactions by hand. Linking a bank through SimpleFIN Bridge just saves the typing: new transactions arrive in your review queue on their own.

Which banks work?

Whatever SimpleFIN Bridge supports, which covers most US banks and credit unions. SimpleFIN is a separate service with its own small subscription. It refreshes from your bank about once a day.

Does UnderBudget move money?

No. It only reads balances and transactions so you can budget with them. It can't make payments or transfers.

More in the how-to guides and on the About page.

See your month the way UnderBudget does

Open the demo and click around: edit the budget, set up a rule, review the queue. It takes a few seconds to set up.

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