Budget
Budget is a personal finance platform that combines zero-based envelope budgeting with a complete financial picture: net worth tracking, investment allocation, and asset/liability management.
Why Budget?
| Tool | Budgeting | Net Worth / Investments |
|---|---|---|
| YNAB | Excellent | None |
| Empower (Personal Capital) | Weak | Good |
| Mint (dead) | Mediocre | Mediocre |
| Budget | Excellent | Full picture |
One app. Both sides of your finances.
Core Philosophy
- Zero-based budgeting — every dollar is assigned to a category before you spend it
- No surprises — scheduled bills show up before they hit your account
- Envelope method — categories hold money, not just track spending
- Private — your financial data is never sold or shared