Middle Class Finance: Budget

Middle Class Finance is a budgeting app that works without a bank connection. You enter your own transactions, so nothing is scraped, synced, or sold to a data broker. If you are looking for an alternative to YNAB or an alternative to EveryDollar, this covers the same ground: envelope budgeting, zero-based budgeting, 50/30/20, and a real debt payoff plan. There is no bank login at any point. BUDGET FOUR DIFFERENT WAYS - Traditional monthly budgets by category - 50/30/20 across needs, wants, and savings - Zero-based, where every dollar gets a job - Envelope budgeting, with transfers between envelopes - Progress bars per category, and unused amounts roll over to next month TRACK EVERY TRANSACTION - Log income and expenses with categories, payees, and tags - Split one transaction across several categories - Recurring transactions post your regular bills automatically - Mark transactions cleared and reconcile an account against its statement PAY OFF DEBT ON A PLAN - Add credit cards, loans, and a mortgage - Choose avalanche, snowball, or a custom order - See your projected debt-free date and how an extra payment moves it - Watch interest accrue against the real balance SAVINGS GOALS - Set a target amount and a deadline, then track progress - Emergency fund calculator sized from your actual monthly expenses - Link a goal to the account that holds the money ACCOUNTS AND NET WORTH - Checking, savings, credit cards, loans, and investment accounts - Net worth calculated with liabilities subtracted, not ignored - Balance history over time IMPORT WHAT YOU ALREADY HAVE - CSV, OFX, QFX, and QBO statement files - Column mapping and duplicate detection before anything is saved - Useful for catching up on past months without retyping WHY MANUAL ENTRY Entering a purchase takes a few seconds and makes you notice it. Automatic sync does the opposite: the numbers arrive on their own and you stop reading them. Manual entry is the point of this app, not a missing feature. PRIVACY - No bank logins, no Plaid, no screen scraping - No ads and no advertising trackers - Your data is never sold or shared - Delete your account, and everything in it, from Settings at any time PRICING The web app at middleclassfinance.app is free, with every feature included. The mobile app includes a 30-day free trial, then $0.99 per month or $9.99 per year. One subscription unlocks everything. There are no tiers and no upsells. Terms of Use: https://middleclassfinance.app/terms Privacy Policy: https://middleclassfinance.app/privacy