Budgeting app

Know where your money goes — and decide where it goes next

Fine Budget is a free budgeting app that turns everyday spending into a clear plan: live budgets, savings goals, receipt scanning, financial independence projections, and an AI assistant that understands your numbers.

Create your free accountTry a calculator first

What Fine Budget does

Track every transaction in seconds

Add income and expenses by hand, by pasting plain text, or by scanning a receipt. Fine Budget categorises them so your spending picture stays current.

Budgets that react as you spend

Set monthly limits per category and watch live balance cards, sparkline stats, and alerts tell you where you stand before the month ends.

Savings goals and emergency fund planning

Create goals with target amounts and dates, and use the built-in emergency fund calculator to size a cushion around your real expenses.

An AI assistant wired into your data

Ask questions in plain language. The assistant answers with charts and tables, and can propose budget or transaction changes you approve with one tap.

FIRE and 50/30/20 planning tools

Project your financial independence date and split your take-home pay across needs, wants, and savings with dedicated calculators.

MoneyQuest for younger learners

A ten-level game with badges that teaches saving first, needs versus wants, emergency funds, debt, and compounding — progress syncs when signed in.

How it works

  1. 1

    Create your free account

    Sign up with email or Google. Your data is tied to your account and protected by row-level security.

  2. 2

    Add your income and expenses

    Enter a starting balance, then log transactions manually, from text, or from a receipt photo.

  3. 3

    Set limits and goals

    Choose category budgets and savings goals so the dashboard can measure real progress each month.

  4. 4

    Review weekly, adjust monthly

    Five minutes a week with the dashboard and AI assistant is enough to stay ahead of your spending.

Frequently asked questions

Is Fine Budget free to use?

Yes. You can create an account and use budgeting, transaction tracking, savings goals, and the calculators without paying.

Do I need to connect a bank account?

No. Fine Budget works entirely from what you enter — manual entries, pasted text, or scanned receipts. There is no bank linking requirement.

Can I use my own currency?

Yes. Fine Budget supports multiple currencies and includes a currency exchange panel in the dashboard sidebar.

Can I try the tools before signing up?

Yes. The 50/30/20 calculator and the budgeting guide are open to everyone. An account is only needed to save your data across devices.

Start budgeting today — it takes two minutes

Sign up free, add your first few transactions, and let Fine Budget show you the plan hiding inside your spending.

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Prefer to read first? See the step-by-step budgeting guide.