Budget G.P.A.: Student Budget

Budget GPA scores your finances across five weighted categories and combines them into a single letter grade — A+ through F — with a 4.0 GPA scale. No vague charts. No guesswork. One number that tells you exactly where you stand. How it works Set up in under two minutes. Enter your income — set your pay frequency (weekly, bi-weekly, semi-monthly, monthly, or annual) and whether you're W-2 (take-home pay) or 1099 (gross, with a tax percentage set aside), and Budget GPA converts it to a clean monthly net figure. Start from 21 ready-made categories, then Budget GPA builds your first scorecard automatically using the 50/30/20 framework. Every month, you get a grade based on five categories: • Budget Adherence (35%) — How closely you stick to your plan • Financial Safety (25%) — Emergency fund, debt health, and projected balance • Spending Stability (15%) — How consistent your spending is month to month • Needs vs. Wants (15%) — Whether your spending split matches your goals • Forecast Accuracy (10%) — How realistic your budgets are Each category is scored, weighted, and rolled into your overall GPA. Budget GPA is built on one principle: free should be useful, not crippled. • Full 5-category scoring with letter grade and GPA • Budget tracking with per-category progress bars • Savings goals — set a target and date, track contributions, see your monthly pace • Debt tracking — live balances that count down as you log payments, plus your debt-to-income ratio • Multiple income sources — salary, side hustle, freelance, each with its own pay schedule • "This Month's Fixes" — the top three actions to raise your grade • Fast manual transaction entry — one-tap Add Expense, Save & Add Another, and swipe-to-delete • Alerts for budget breaches, grade drops, large purchases, and more • 3-month rolling trend view • Month-by-month score history • Light and dark mode What Pro unlocks — $3.99/mo, $39.99/yr, or $99.99 lifetime • Bank sync via Plaid — auto-import transactions from 12,000+ institutions • Subscription tracking — auto-detection from synced transactions, cost totals, needs/wants breakdown • AI-powered transaction classification — automatically categorize your spending • Scoring presets — strict, balanced, or relaxed for each category • One-time expense tagging — flag one-off costs like a vet bill or car repair so they don't hurt your score, with automatic spike detection • Debt payoff tools — debt-free-by dates, avalanche/snowball ranking, and payoff impact simulation ("paying off your Visa moves you from B+ to A−") • PDF and CSV export — share your scorecard or transaction history • 6-month, year-to-date, and per-category trend analysis • 14 additional smart alerts — budget pacing, projected overspend, unused subscriptions, price change detection, duplicate charges, and more • Category reclassification — override needs/wants/savings assignments • Two more styles, Glass Aurora and Blueprint, each in light and dark • Weekly, biweekly, or monthly email digest Your data stays yours Your financial data is stored in your private database. We don't sell it, we don't show ads, and we never share it for marketing. Bank connections run through Plaid with bank-level encryption, so your credentials are never shared with us. Pro's AI categorization sends only a transaction's description, merchant, amount and date to Anthropic — never your name, email or account numbers, and never for training. Limited lifetime memberships Only 500 lifetime memberships are available each year. When they're gone, monthly and annual plans are still available with all the same Pro features. Launch pricing also includes two promotional lifetime tiers at $74.99: a limited-time Founder discount for early adopters, and an EDU Lifetime for students with a .edu email (25% off, limited to 500 per year). Every tier unlocks the same single Pro entitlement. Terms of Use: https://www.budgetgpa.com/terms.html Privacy Policy: https://www.budgetgpa.com/privacy.html