Middle Class Finance: Budget

Middle Class Finance is a budgeting app that works without a bank connection. You enter your own transactions, so nothing is scraped, synced, or sold to a data broker.

If you are looking for an alternative to YNAB or an alternative to EveryDollar, this covers the same ground: envelope budgeting, zero-based budgeting, 50/30/20, and a real debt payoff plan. There is no bank login at any point.

BUDGET FOUR DIFFERENT WAYS
- Traditional monthly budgets by category
- 50/30/20 across needs, wants, and savings
- Zero-based, where every dollar gets a job
- Envelope budgeting, with transfers between envelopes
- Progress bars per category, and unused amounts roll over to next month

TRACK EVERY TRANSACTION
- Log income and expenses with categories, payees, and tags
- Split one transaction across several categories
- Recurring transactions post your regular bills automatically
- Mark transactions cleared and reconcile an account against its statement

PAY OFF DEBT ON A PLAN
- Add credit cards, loans, and a mortgage
- Choose avalanche, snowball, or a custom order
- See your projected debt-free date and how an extra payment moves it
- Watch interest accrue against the real balance

SAVINGS GOALS
- Set a target amount and a deadline, then track progress
- Emergency fund calculator sized from your actual monthly expenses
- Link a goal to the account that holds the money

ACCOUNTS AND NET WORTH
- Checking, savings, credit cards, loans, and investment accounts
- Net worth calculated with liabilities subtracted, not ignored
- Balance history over time

IMPORT WHAT YOU ALREADY HAVE
- CSV, OFX, QFX, and QBO statement files
- Column mapping and duplicate detection before anything is saved
- Useful for catching up on past months without retyping

WHY MANUAL ENTRY
Entering a purchase takes a few seconds and makes you notice it. Automatic sync does the opposite: the numbers arrive on their own and you stop reading them. Manual entry is the point of this app, not a missing feature.

PRIVACY
- No bank logins, no Plaid, no screen scraping
- No ads and no advertising trackers
- Your data is never sold or shared
- Delete your account, and everything in it, from Settings at any time

PRICING
The web app at middleclassfinance.app is free, with every feature included. The mobile app includes a 30-day free trial, then $0.99 per month or $9.99 per year. One subscription unlocks everything. There are no tiers and no upsells.

Terms of Use: https://middleclassfinance.app/terms
Privacy Policy: https://middleclassfinance.app/privacy