Real inputs. A budget you control.

Get a monthly budget calculated around your real financial life.

Expense Atlas uses your income, reviewed spending, debts and required minimums, savings goals, retirement priorities, liquidity, and preferences to mathematically recommend a balanced monthly allocation.

Hard constraints protect essentials and minimum payments. The calculation then compares tradeoffs among your remaining priorities and shows recommended targets you can review before you accept them.

Explore a sample budget See how it works

No credit card required. The $0 account is a deliberately limited preview; paid plans begin at $4.49/month.

Also available on iOS and Android

Expense Atlas Budget Pulse interface showing a Selected Budget, monthly spending pace, and category status using synthetic demo data — Actual Expense Atlas interface shown with synthetic demo data.

A concise setup process

From financial activity to an accepted budget.

The inputs stay reviewable, and the generated result remains yours to accept or change.

01
Add your financial picture
Provide financial activity and income through manual entries, receipts, statement imports, or supported paid bank connections.
02
Review and set priorities
Correct merchants, categories, and matches, then add the goals, obligations, and priorities that matter now.
03
Choose and monitor your budget
Review the generated Personalized Budget, accept it, make category adjustments, and compare your current budget with actual spending.

See how it works

Reconciliation proof

Check the activity behind the budget.

Expense Atlas helps match receipts with imported or connected transactions so you can see what is reconciled, what still needs a receipt, and what may need correction before relying on the totals.

Match receipts to statement or supported bank activity.
Review unmatched records and merchant or total differences.
Correct categories before generating or revisiting budget targets.

Expense Atlas Reconciliation Status interface showing matched transactions and records that still need receipts using synthetic demo data — Actual Expense Atlas interface shown with synthetic demo data.

Ongoing money decisions

Use your budget month after month.

Expense Atlas helps you understand spending, create a realistic monthly budget, keep savings and retirement priorities visible, and monitor progress over time.

Understand spending patterns

Review categorized activity over time to see where your money is going and which patterns deserve attention.

Create a realistic monthly budget

Use the financial activity and priorities you provide to generate category targets you can review and accept.

Keep priorities visible

Represent debt, emergency savings, goals, and retirement priorities alongside bills and flexible spending.

Track financial independence progress

Compare current spending and priorities with your Accepted Budget as you work toward greater financial independence.

Connect the monthly budget to the bigger picture

On the web, turn today's spending plan into a clearer path across net worth and debt payoff.

Net Worth on the web

See assets and liabilities together, review history, and keep the balance sheet behind your monthly budget visible.

Learn more

Debt Payoff on the web

Model avalanche, snowball, or custom strategies, then connect estimated payoff plans with debt-aware budget targets.

Learn more

Review before relying

Automation helps organize a decision. It does not make the decision for you.

Generated budget amounts are estimates based on the information available. Missing activity, incorrect categories, changing income, and incomplete goals can change the result.

You review the inputs

Imported and extracted records can be incomplete or wrong, so corrections matter.

You accept the budget

A generated Personalized Budget is a recommendation until you choose to accept it.

You can adjust it

Current category overrides let the budget reflect newer choices without rewriting history.

Outcomes are not guaranteed

Expense Atlas does not provide individualized financial advice or guarantee savings or goal completion.

Compare approaches

Decide whether Expense Atlas fits your workflow.

Review the tradeoffs among Expense Atlas, spreadsheets, and typical budget apps, including setup effort, review controls, imports, and ongoing maintenance.

View the comparison

Current plan context

Explore at $0. Paid plans begin at $4.49 per month.

The $0 account is for navigation and limited exploration only. It includes one statement import and three receipts per month and is not a representative complete budgeting workflow. Plan prices and allowances below come from the current public catalog.

Limited product preview

Free

$0/forever

For exploring a fictional sample and limited product screens

A deliberately limited preview for seeing how Expense Atlas is organized. It is not a complete or representative budgeting workflow.

Fictional Personalized Budget sample and limited product exploration
1 statement import per month
3 receipts per month
1 merchant-name cleanup run across imported transactions per month

Individuals

Starter

$4.49/month

Best for individuals who want real structure and light automation

Practical source-data capacity and light automation for generating and revisiting a Personalized Budget.

15 statement imports per month
100 receipts per month
5 included bank sync accounts
Personalized Budget with web Net Worth and Debt Payoff planning
Personalized Budget calculations do not consume receipt, statement, bank-sync, or AI-analysis allowances
2 merchant-name cleanup runs across imported transactions per month
1 written AI budget analysis report per month
10 AI chat questions about your finances per month

Higher household capacity

Plus

$8.99/month

Best for households with more accounts and monthly activity

More capacity for one household account to keep a Personalized Budget grounded in current activity.

45 statement imports per month
300 receipts per month
10 included bank sync accounts
Personalized Budget with web Net Worth and Debt Payoff planning
Personalized Budget calculations do not consume receipt, statement, bank-sync, or AI-analysis allowances
10 merchant-name cleanup runs across imported transactions per month
3 written AI budget analysis reports per month
30 AI chat questions about your finances per month

Bank connections use Plaid, require an eligible institution, and are included only with paid plans. Provider coverage and connection behavior can vary.

Plan limits apply to inputs and separate services such as receipts, statements, bank sync, and written AI analysis. Recalculating a Personalized Budget does not consume those allowances.

Explore the limited preview Compare plans

How your data is protected

Selected-field encryption, transit protection, and a no-sale policy.

Selected sensitive fields are encrypted at the application level, with AWS KMS protecting user keys. This selected-field encryption does not cover every field or ingestion path.

Read the Trust Center

Protected in transit

Connections to Expense Atlas use TLS. Bank connections through Plaid also use HTTPS and TLS.

Selected field encryption

Selected sensitive fields use application-level encryption, with AWS KMS protecting user keys. Not every stored field uses this encryption.

Password handling

Passwords are hashed with Argon2id and are not stored as plaintext.

Data sale

Personal financial data is not sold for advertising. See the privacy policy for details.

Learn before deciding

Use the education library without starting an account.

Explore general financial education, transparent examples, and decision tools separately from the product workflow.

Build a budget from the life you are living now.

Provide the inputs, review the recommendation, accept or adjust it, and monitor what happens next.