Track, budget, and grow — together.
Life Budgets adapts as your life changes — from solo budgeting to shared household finances, family planning, and beyond. One app for every chapter.
7-day free trial · No credit card required
Example
Safe-to-Spend allocation
Available money is divided into protected commitments and what remains.
This month
$2,170
Rent clears
Apr 28
Low point
$1,040
Status
Safe
See your complete financial picture — instantly.
Connect all your bank accounts, credit cards, and investment accounts via Plaid. Your net worth updates automatically, giving you a live view of assets, liabilities, and cash flow without lifting a finger.
- Plaid bank sync — checking, savings, credit, investments
- Real-time net worth tracking
- Spending trends and cash flow reports
- Manual account support for full flexibility
Net Worth
$127,400
$18,200
Cash
$109,200
Investments
$-18,500
Debt
One number you can actually trust.
Protected Monthly Safe-to-Spend shows your available resources, sets aside protected commitments like bills, variable reserves, and goal funding, then shows what remains. If commitments are larger than resources, the shortfall is obvious.
- Recurring bills, subscriptions, and debt minimums detected from Plaid
- Variable reserves (groceries, gas) seeded from your own history
- Goals and emergency rebuilds protected before money looks available
- Household layer adds shared bills and contributions on top
Safe-to-Spend allocation
April · 23Resources
$5,420
Protected
$3,250
Available
$2,170
Share finances without losing your independence.
Invite your partner or family to a shared household. Choose exactly what to share with Full, Partial, or Private privacy levels. Split transactions, track IOUs in real time, and settle up in one tap — no awkward conversations.
- Household creation with email invite flow
- 3 privacy levels: Full / Partial / Private
- Split any transaction among household members
- IOU balance tracking + one-tap settle-up
- Shared goals — vacations, house, anything
Household IOU Summary
Alex
owes you
$47.50
Jordan
you owe
$12.00
Set goals. Watch them grow. Stay protected.
Link accounts directly to goals and watch progress update in real time. Set a floor balance to protect your emergency fund even while spending toward a goal. Get automatic alerts when large withdrawals hit your linked accounts.
- Savings, debt payoff, and investment goals
- Account-linked progress — always live
- Floor balance protection for emergency funds
- Auto-withdrawal detection from Plaid sync
- Withdrawal history and review prompts
Goals
87% funded
54% funded
31% funded
Which chapter are you in?
Life Budgets is purpose-built for every stage — and your full financial history carries forward when life changes.
Single
Build strong habits, knock out debt, and save for what matters — on your own terms.
See how it works →Couple
Merge finances without losing your independence. Share what you want, keep what you don't.
See how it works →Family
Budget for everyone at the table — kids, mortgage, college savings, and everything in between.
See how it works →Supporting Parents
Care for aging parents and raise a family at once — without sacrificing your own future.
See how it works →One subscription. Every feature.
Plaid Bank Sync
Connect checking, savings, credit cards, and investment accounts. Balances and transactions update automatically.
Learn more →Protected Safe-to-Spend
One monthly number that updates as paychecks land, bills clear, and goals fund. The allocation view shows resources, protected commitments, and what remains.
Learn more →Household Collaboration
Invite your partner or family. Set privacy levels for each member — Full, Partial, or Private. Everyone pays one subscription fee.
Learn more →IOU Tracking & Settle-Up
Split transactions among household members, track running balances, and settle up in one tap. No more awkward money conversations.
Learn more →Goals with Floor Protection
Link accounts to goals with real-time progress. Set a floor balance so your emergency fund is always protected, even in spend mode.
Learn more →Alerts & Bill Reminders
Get notified before you overspend, when large transactions hit, and when recurring bills are coming due — color-coded by urgency.
Learn more →Built different. Built for life.
Other apps treat every user the same. Life Budgets adapts to who you are right now — and grows with you.
vs.
Mint / Monarch Money
- Household privacy controls — not just personal finance
- Your financial history carries forward at every life transition
- Goals with floor protection, not just balance targets
vs.
YNAB
- Auto-bucketing from Plaid — no manual category rules
- Household shared budget layer with contribution tracking
- IOU tracking and settle-up built in — no add-ons
vs.
Copilot
- Purpose-built for life stages, not just spending clarity
- Full/Partial/Private household privacy levels
- Partner and family included — no per-seat charges
Simple, transparent pricing
One plan. Your whole household. $9.99/month or $89.99/year.
7-day free trial. Cancel any time.
See full pricing →Start your financial journey today.
Built for households at every stage — single, couple, family, and beyond.