Features
Everything you need to take
control of your money
Budget Base gives you a complete toolkit for zero-based budgeting, investment tracking, and financial clarity — all in one place.
Overview
A Complete Toolkit for
Financial Clarity
Zero-Based Budgeting
No coin left behind. Assign income to categories until your "To Be Budgeted" hits zero.
Smart Budget Tools
Templates, auto-assign, and inline editing help you set up the month without starting from scratch.
Account Management
Add checking, savings, credit cards, cash, and investment accounts manually in one place.
Transaction Management
Quick entry, splits, transfers, and filtering. Track every transaction in and out.
Investment Tracking
Track investments alongside your budget. See market value, cash flow, and gain/loss.
Recurring Transactions
Automate bills and paychecks. Weekly, biweekly, monthly, or yearly.
Zero-Based Budgeting
No Coin
Left Behind
Zero-based budgeting means every cent you earn gets assigned to a specific category before you spend it. No more wondering where your money went — you decide where it goes.
Create categories like Groceries, Rent, and Emergency Fund. Assign your income across them until your "To Be Budgeted" hits zero. Green means you're on track. Red means you've overspent.
The Envelope Method, Digitized
Allocate funds to categories just like stuffing cash into envelopes, but instant and flexible.
Monthly Carryover
Unspent funds roll forward automatically, so your savings accumulate month over month.
Move Money Freely
Overspent on groceries? Move funds from another category in seconds. Your budget adapts to real life.
Budget Templates
Save favorite budget configurations and apply them to any month with one click.
Copy Last Month
Carry forward last month's allocations as a starting point, then adjust as needed.
Auto-Assign
Automatically allocate funds based on your savings goals and monthly budget targets.
Inline Editing
Click any budget amount directly in the table to change it. No forms, no friction.
Smart Budget Tools
Budget Smarter,
Not Harder
Setting up a new month shouldn't feel like starting from scratch. Budget Base gives you shortcuts and automation so you can plan your month in minutes.
Account Management
All Your Accounts,
One Clear Picture
Add your checking, savings, credit card, cash, and investment accounts manually. Budget Base does not connect to banks or import transactions automatically.
Five Account Types
Checking, savings, credit card, cash, and investment accounts, each set up by you.
Unified Sidebar
Quick-access sidebar shows all accounts with current balances. Investments grouped separately.
Automatic Balance
Every transaction instantly updates your account balance. No manual math required.
Account Archiving
Done with an account? Archive it instead of deleting. Your historical data stays intact.
Per-Account Views
Click any account to see only the transactions that belong to it.
Quick Entry
Add transactions fast with a streamlined form: date, payee, category, amount, done.
Split Transactions
Split a single transaction across multiple categories so your budget stays accurate.
Account Transfers
Move money between accounts with linked transfer transactions that keep both sides in sync.
Cleared Status
Track which transactions have posted to your bank and which are still pending.
Memos & Payees
Add context to any transaction so you remember what it was for months later.
Filter & Search
Filter by account, category, or date range to find exactly what you need.
Transaction Management
Track Every Transaction
In and Out
From a morning coffee to your monthly rent, every transaction is captured, categorized, and accounted for in your budget.
Account Reconciliation
Match Your Budget
to Reality
Reconciliation ensures your Budget Base records match your actual bank statements. It's the moment of truth that keeps your data trustworthy.
Guided Flow
A step-by-step modal walks you through: review transactions, mark cleared, enter ending balance.
Bulk Clear
Select and clear multiple transactions at once instead of clicking through one by one.
Auto Adjustments
If your balance doesn't match, an adjustment transaction is created automatically.
Reconciliation History
Every reconciliation recorded with date, balance, and transaction count.
Undo Reconciliation
Made a mistake? Reverse a reconciliation to reopen and re-examine transactions.
Savings Goals
Set a target amount and date. See your progress and whether you're on track.
Monthly Budget Goals
Set a recurring target for predictable categories like rent or subscriptions.
Visual Progress
See completion percentage, amount remaining, and days until your target at a glance.
On-Track Projections
Know if your current pace will hit the goal on time, plus the monthly amount needed.
Goal Completion
Mark goals as complete when you've reached them. Reopen if plans change.
Goal Notes
Add context to any goal so you remember why it matters.
Category Goals
Set Targets. Track Progress.
Reach Your Goals.
Whether you're saving for a vacation or keeping your grocery spending in check, goals give your categories purpose and your budget direction.
Recurring Transactions
Automate the
Predictable Stuff
Bills, subscriptions, paychecks — some transactions happen like clockwork. Set them up once and let Budget Base handle the rest.
Four Frequencies
Weekly, biweekly, monthly, or yearly. Covers everything from groceries to annual premiums.
Automatic Posting
Recurring transactions post automatically on their scheduled date. No manual entry.
Upcoming View
See what's due in the next 14 days so you're never caught off guard.
Pause & Resume
Temporarily pause a recurring transaction without deleting it. Resume when ready.
Manual Post
Need to record a recurring transaction early? Post it on demand with one click.
Recurring Transfers
Schedule automatic transfers between accounts, including investment accounts.
Investment Tracking
See Your Investments
Alongside Your Budget
Budget Base keeps investment accounts visible without mixing them into the money you budget for daily life. You enter transfers and account values yourself, then Budget Base shows cash flow, market value, and gain or loss.
This is high-level tracking, not brokerage sync. Budget Base does not track tickers, holdings, dividends, or asset allocation.
Market Value & Performance
Compare what you've put in with the latest value you entered. Budget Base calculates the difference.
Valuation History
Record account value snapshots over time and see how they changed.
Investment Transfers
Record money moving to and from investment accounts. Budget Base keeps the account totals in sync.
Not investment advice. Budget Base only shows the account values you enter.
12 Currencies
USD, EUR, GBP, JPY, CAD, AUD, CHF, CNY, INR, BRL, MXN, SEK with correct formatting.
Date Formats
Choose MM/DD/YYYY, DD/MM/YYYY, or YYYY-MM-DD depending on your region.
Number Formats
Pick the separator style that feels natural: 1,234.56 or 1.234,56 or 1 234,56.
Light & Dark Themes
Switch between light and dark mode to match your preference or time of day.
First Day of Week
Start your week on Sunday or Monday. Calendar views adjust accordingly.
Personalization
Your Budget,
Your Way
Budget Base adapts to how you think about money — your currency, your date format, your preferred number style, and your visual theme.
Data Ownership
Your Data
Belongs to You
We believe you should always have full access to your financial data. Export it, back it up, or move it — it's yours.
Full Data Export
Download your complete budget data as a backup file at any time.
Data Import
Restore from a previous export to pick up right where you left off.
No Lock-In
Your data isn't trapped. Export and take it with you whenever you want.
European Servers
Your financial data is hosted on servers in Europe, ensuring strong privacy protection under EU regulations.
Ready to Leave
No Coin Behind?
Start budgeting with purpose while Budget Base is in beta.
Get Started FreeFree during beta. No credit card required.