Neptune: Budgeting & Finance

Neptune: Money Management

Connect your bank, and Neptune does the rest. Every transaction is automatically categorized, every subscription surfaced, every bill tracked — so you actually know where your money goes and what's coming next.

Built for people who want clarity without spreadsheets, Neptune turns your accounts into a living picture of your finances. See
your cashflow in real time, set budgets that adapt, and get gentle, plain-English coaching the moment something looks off.

Why people use Neptune
• Connect every account in seconds with secure bank linking
• Watch your money move with a live cashflow view
• Stop forgetting about Netflix, the gym, or that random $4.99 — Neptune finds your subscriptions and bills automatically
• Know the difference between essential bills (rent, utilities, insurance) and discretionary subscriptions, side-by-side
• AI categorization that actually learns your spending — no rules to write
• Build a budget in minutes with one of five strategies (Zero-Based, 50/30/20, Envelope, Flex, or fully custom)
• Track goals — emergency fund, vacation, a big purchase — and see them grow alongside your spending
• Pull up any past day to see exactly what your finances looked like at that moment
• Share with a partner via household invites — everyone sees the same source of truth
• AI coaching surfaces insights like "you spent 40% more on dining this month" — without the lecture

Privacy first
Your bank credentials never touch our servers. We use bank-grade encryption (Plaid) and never sell your data. Read-only access,
always.

Neptune is the budgeting app for people who'd rather understand their money than wrestle with it.

Recent changes:
What's new in 1.4.0?

A home screen that feels like your wallet
Your dashboard now opens on your accounts as real bank cards — balance front
and center, with the last four digits of each account right on the card. Swipe
between your connected banks like flipping through a wallet, and whichever
card you land on filters your whole dashboard — transactions, budget,
everything — to that account.