Get Started in
Minutes

Follow these simple steps to take control of your finances with Budgety.

1

Create Your Free Account

Sign up in seconds with just your email address. No credit card required to get started.

  • Choose your plan (Free, Premium, or Pro)
  • Set up your profile and preferences
  • Start your 14-day free trial (Premium/Pro plans)
  • Access Budgety on web or install as a mobile app
💡 Pro Tip: Install Budgety as a PWA on your phone for quick access. Just tap "Add to Home Screen" in your browser menu!
2

Connect Your Accounts

Link your bank accounts securely with Plaid, or add accounts manually.

  • Automatic (Premium/Pro): Connect up to 3-6 bank accounts with Plaid
  • Manual (All plans): Add unlimited accounts manually
  • Support for checking, savings, credit cards, investments, and loans
  • Transactions sync automatically every day
🔒 Security Note: We use Plaid for bank connections, which means we never see or store your banking credentials. All connections are encrypted with bank-level security.
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3

Review & Categorize Transactions

Let Budgety automatically categorize your transactions, or customize them to fit your needs.

  • Smart auto-categorization learns from your habits
  • Create custom categorization rules
  • Add tags for additional organization
  • Scan receipts with your phone camera (Premium/Pro)
💡 Pro Tip: Set up categorization rules once, and Budgety will automatically categorize similar transactions in the future. For example, "Starbucks" → "Dining Out".
4

Set Up Budgets & Goals

Create realistic budgets for each spending category and set financial goals.

  • Set monthly spending limits by category
  • Enable auto-adjusting budgets based on income
  • Turn on budget rollover for unused amounts
  • Get alerts when you're approaching your limits
  • Create shared budgets for household expenses (Pro)
💡 Pro Tip: Start with budget templates and adjust them based on your actual spending. The 50/30/20 rule is a great starting point: 50% needs, 30% wants, 20% savings.
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Track Your Progress

Monitor your financial health, watch your net worth grow, and make data-driven decisions.

  • View your Financial Health Score
  • Analyze spending trends and patterns
  • Track net worth over time
  • Generate reports for any time period
  • Identify areas to save more money
💡 Pro Tip: Check your dashboard weekly to stay on top of your finances. Small course corrections early can lead to big savings over time!

Feature Deep Dives

Learn how to make the most of Budgety's powerful features

🏠 Household Finance Management (Pro)

Perfect for roommates, families, and couples sharing expenses.

How It Works:

  1. Create a Household: Give it a name (e.g., "Apartment 4B" or "Smith Family")
  2. Invite Members: Send email invitations to roommates or family members
  3. Add Shared Expenses: Mark any expense as "shared" and choose how to split it
  4. Track Balances: See who owes what in real-time on the household dashboard
  5. Settle Up: Send payment requests via Venmo or PayPal with one click

Splitting Options:

  • Equal Split: Divide the expense equally among all members
  • Percentage Split: Split by custom percentages (e.g., 60/40 based on income)
  • Custom Amounts: Assign specific dollar amounts to each person
  • Exclude Members: Not everyone needs to be included in every expense
💡 Real-World Example: Sarah, Mike, and Alex share an apartment. Rent is $1,800 split equally ($600 each). Utilities vary monthly and are split equally. Groceries are split based on who bought them. At the end of the month, Budgety shows exactly who owes what, and they can settle up instantly via Venmo.

📸 Receipt Scanning (Premium/Pro)

Turn paper receipts into digital transactions instantly.

How It Works:

  1. Snap a Photo: Use your phone camera to photograph any receipt
  2. OCR Processing: Our OCR technology extracts merchant, amount, and date
  3. Review & Confirm: Verify the extracted information (usually 95%+ accurate)
  4. Save Transaction: The transaction is created and the receipt is stored digitally
💡 Pro Tip: Scan receipts immediately after purchases. This is especially useful for cash transactions that won't show up in your bank statements!

🤖 Smart Auto-Categorization

Let Budgety automatically organize your transactions.

How It Works:

  1. Initial Learning: Budgety analyzes transaction descriptions and suggests categories
  2. Create Rules: Set up rules like "If description contains 'Starbucks' → Dining Out"
  3. Automatic Application: Future matching transactions are categorized automatically
  4. Continuous Improvement: The more you use it, the smarter it gets

Rule Examples:

  • "Amazon" → Shopping
  • "Shell" or "Chevron" → Transportation
  • "Whole Foods" or "Safeway" → Groceries
  • "Netflix" or "Spotify" → Entertainment

Tips & Best Practices

Get the most out of Budgety with these expert tips

📅 Review Weekly

Set aside 15 minutes each week to review your transactions and check your budget progress. Consistency is key to financial success.

🎯 Start Small

Don't try to track everything perfectly from day one. Start with your main accounts and expand gradually as you get comfortable.

🔔 Enable Alerts

Turn on budget alerts to get notified when you're approaching your spending limits. Prevention is easier than correction!

💾 Export Regularly

Export your data monthly for backup and tax purposes. Having historical records is invaluable during tax season.

🏠 Communicate with Household

If using household features, have a monthly "money meeting" with your roommates or family to review shared expenses and settle balances.

📊 Use Reports

Generate monthly reports to identify spending patterns. You might be surprised where your money is actually going!

Ready to Start Your Financial Journey?

Join thousands of users who are already in control of their finances.

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No credit card required • 14-day free trial on paid plans