UnderBudget brings in your bank transactions, sorts them with rules you set, and counts the recurring bills that haven't hit yet, so the number you see is what you can actually spend this month.
The demo is your own copy with sample data: no sign-up, nothing to connect, and it's deleted after 24 hours.
This month
October
$1,286.40
left of $3,710
How it works
Set it up once. After that, most of your month is categorized, matched to its bill and counted for you.
Link your bank through Plaid and new transactions arrive on their own. No bank to link? Import an Excel file or add them by hand.
Add transactions
Bank transactions wait in a review queue with categories filled in by your bills and by what you chose last time. Likely duplicates and charges that look recurring are flagged, and you confirm before anything is saved.
Review queue
TRADER JOE'S #128
GroceriesSame as last time
HULU 877-824-4858
SubscriptionsLooks monthly
AMAZON.COM*7Q2RT
ShoppingPossible duplicate
Every bill knows its schedule and cost, so your budget bars, pace and per-day amount already allow for the bills that haven't been charged yet.
Recurring bills
9 active bills
$139.98still to come
Features
A budget that knows your bills, a review queue that does the sorting, and dashboards that show where it all went.
The monthly dashboard paces day-to-day spending against what your budget leaves once rent and subscriptions are paid, and says how far under or over you are today.
Everyday spending
$1,281.00left
out of $1,920.00 for everyday spending
Your $3,710.00 budget minus $1,790.00 in recurring bills ($1,650.00 charged, $140.00 still to come). Recurring transactions are left out of this chart, so it shows everyday spending on its own.
Every bar shows what you've spent and, striped, the recurring bills still to come. Green while you're on budget, red once spending or bills would take you over.
Budgets
Give each recurring charge a name and it's categorized and labeled from then on, even when the bank words it differently. Each bill tracks its schedule and cost; pause one when you cancel.
Bills
Income against spending month by month, category trends and your largest expenses. Click any month to open it.
Yearly dashboard
Income in emerald; a month that spent more than came in stands out.
Linked and hand-tracked accounts side by side, each with its own connection status and balance history.
Accounts
Flip between them with the arrows or a swipe, and star the one you want to open on.
Security
UnderBudget holds bank-linked financial data, so it's careful about what it stores and who can see it.
Banks connect through Plaid. You sign in to your bank in Plaid's secure window, not here, and UnderBudget only ever reads balances and transactions.
The access token your bank connection issues is encrypted before it's stored and is only ever used on the server. It never reaches your browser.
Every table is locked to its owner by the database itself, so one account can never read another's transactions.
Bills, pace and bill projections run without AI. Start with AI, Suggest bills and AI Auto-Categorize send transaction descriptions and amounts to Anthropic only after you allow it, and only when you click them.
Accounts are created by invitation. Invited? Open the link in your invitation email to set your password.
The details, including every service that handles your data, are in the Privacy Policy.
Questions
The short answers. The guides have the rest.
Accounts are invite-only for now. If you've been invited, open the link in your invitation email to set your password, then sign in. Anyone can try the demo.
A budget, about three months of history, bills, a review queue and sample accounts, all yours to explore and change. AI features and bank linking are turned off, and the whole demo is deleted after 24 hours (or when you choose Exit demo).
No. You can import an Excel file or add transactions by hand. Linking a bank through Plaid just saves the typing: new transactions arrive in your review queue on their own.
Whatever Plaid supports, which covers most US banks and credit unions. There's nothing extra to sign up for: you sign in to your bank in Plaid's window, and new transactions keep arriving on their own.
No. It only reads balances and transactions so you can budget with them. It can't make payments or transfers.
More in the how-to guides and on the About page.
Open the demo and click around: edit the budget, set up a rule, review the queue. It takes a few seconds to set up.