Budget Simply The free, simple budgeting app
Track your income, expenses, and savings goals without the complexity of traditional budgeting software.
Everything you need to budget
Simple tools to understand your finances and reach your savings goals.
Track Income & Expenses
Easily categorize and monitor your money flow with our intuitive interface.
Set Savings Goals
Create and track your financial goals with automatic progress monitoring.
Export Your Data
Download your financial data in Excel format for external analysis.
Why choose To Budget Simply?
Free, No Paywalls
Every budgeting feature is free, with no subscription or hidden costs.
Privacy First
No bank connection needed, and your budget is never shared with or sold to advertisers. Download or delete your data any time.
Simple & Clean
Intuitive interface designed for ease of use and clarity.
Get Started Today
Set up your budget in minutes. No bank connection needed.
No credit card required • Free forever
Free calculators
No account needed. Run the numbers, then save the plan as a goal when you sign up.
- Emergency fund calculator How much to keep for emergencies, and how long it takes to build.
- Savings goal calculator The monthly amount to reach a goal by a date, or when you will get there.
- Debt payoff calculator Snowball vs. avalanche: payoff date, interest and order.
- 50/30/20 budget calculator Split take-home pay into needs, wants and savings.
Budgeting guides
Plain-English answers to common money questions, with worked examples and sources.
- The 50/30/20 Rule Explained, With Examples A simple way to divide your take-home pay, where the rule came from, how to sort your spending into its three groups, and what to do when your numbers don't fit.
- Zero-Based Budgeting: Give Every Dollar a Job What zero-based budgeting is, where it came from, how to set up your first one step by step, and how it compares with simpler methods like 50/30/20.
- How Big Should an Emergency Fund Be? The usual three-to-six-month rule, when to aim higher or lower, which expenses to count, and a realistic way to build the fund from nothing.
- Debt Snowball vs. Avalanche: Which Pays Off Debt Faster? Two ways to decide which debt gets your extra money each month, what each one costs, and how to choose between them.
Frequently asked questions
Is To Budget Simply really free?
Yes. Every budgeting feature is free, with no subscription and no paywalls. The site will be supported by advertising, and your budget data is never shared with advertisers.
Do I need to connect my bank account?
No. You enter income and expenses yourself, so the app never sees your bank login.
How do savings goals work?
Give a goal a target amount and either a monthly contribution or a target date, and the app works out the other. It warns you when your goals add up to more than you have left over each month.
Can I get my data out?
Any time. Settings lets you download everything as Excel or JSON, and deleting your account removes your data immediately.
Does it work on my phone?
Yes. The site is designed mobile-first and works in any modern browser.
Ready to take control of your finances?
Start budgeting simply today and see the difference clarity makes.
Get Started Free