Features that help you stay disciplined. No YNAB-level configuration.

Add cash spending, reimbursements, or anything else manually when you want complete control and clean records.

Speed up transaction tracking with smart suggestions while keeping the final say over every category.

They are just lines that show up each month. No due dates, no bill calendar — the same items, ready when the next month starts.

Jot down things you want to remember on a line or a transaction — context for later, not a reminder system.

Find the purchase, merchant, category, or note you need fast instead of scrolling through months of history.

Jump straight to the exact budget line item you want to review, edit, or check the status of across your plan.

Take your data with you for spreadsheets, reporting, or recordkeeping, while keeping ownership of your budget history.

Choose the appearance that feels best on your eyes so checking your money stays pleasant instead of draining.

Link your banks and accounts so transactions flow in automatically.

Create rules for repeat merchants and predictable transactions when you want more automation.

Ask about your budget, log and split transactions, edit individual budget items, and manage notes with AI assistants like ChatGPT, Claude, and GrokBot. Sign in with OnTrack, choose read-only or editing access, and revoke connections at any time. Requires an AI app that supports remote MCP and OAuth.