BudgetLabs: Zero-Based Budget

Give every dollar a job before you spend it.

BudgetLabs is a zero-based budgeting app for people who want to decide where their money goes, not just watch where it went. Plan the month, assign your income, and see exactly where you stand at any point.

Semi-manual by design. BudgetLabs doesn't quietly sync your bank and leave you to scroll. You stay in the loop, and AI takes the busywork out of it.

AI THAT SAVES YOU TIME
• Hank, your AI assistant, answers questions about your budget and adds transactions in plain English
• Smart Import turns a pasted statement, PDF, or screenshot into clean, categorized transactions for you to review — or paste your bank's CSV directly
• Saved rules categorize imports automatically, and duplicates are caught before they land
• Snap a receipt to capture an expense

PLAN WITH CONFIDENCE
• Zero-based budgeting: every dollar gets a job
• Group categories your way and carry leftovers into next month
• Split a purchase across categories, or spread a yearly charge across the months it covers
• Recurring bill reminders, with overdue bills clearly marked
• Annual events for renewals like registrations, memberships, and annual fees
• Cash Coverage: see your balance on any day and whether your cash covers what's due
• A calendar that forecasts your balance day by day

PAY DOWN DEBT
• Track loans and credit cards in one place
• See your debt-free date and simulate faster payoff
• Split one payment across several loans
• Lend money to someone else on BudgetLabs and track the repayments coming back (Pro)

GROW YOUR NET WORTH
• Savings accounts and goals, with projections
• Investment tracking: see what's inside each account and your mix against a target
• Net worth over time

BUILT FOR REAL LIFE
• Share a budget with your household (Pro invites; members join free)
• Your currency, your categories, your order
• Face ID or Touch ID lock
• Connect Claude or ChatGPT to your budget, read-only
• Encrypted at rest, two-factor sign-in, and a full export of your data
• Works on iPhone, iPad, Mac, and the web

PRICING
Core budgeting is free. BudgetLabs Pro ($1.99/month or $19.99/year) raises your Hank and Smart Import limits and adds household sharing, up to 5 budgets, peer lending, and unlimited investment statement scans. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings.

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Terms of Service: https://www.budgetlabs.io/terms

Built by an independent founder. Questions or ideas? https://www.budgetlabs.io/support