Know what every dollar is doing.
Finralis is free envelope budgeting in your browser. Every dollar gets a budget, and your budgets always add up to what's in your accounts.
- Free
- No bank login needed
- Set up in about three minutes
Three steps
Envelope budgeting: every dollar you have is assigned to a budget, so you always know what it's for.
Add your accounts
Start with what you already have. Add your checking, savings, credit cards and loans with today's balances.
- Enter balances by hand. No bank login needed.
- Credit cards and loans count as what you owe.
- Investment accounts get their own page, separate from your budget.
Give every dollar a budget
Split the money in your accounts into budgets, like envelopes labelled Rent, Groceries and Emergency Fund.
- When income arrives, divide it between your budgets.
- Link recurring bills to a budget to see what each one needs.
- Your dashboard shows any dollar that isn't assigned yet.
Log spending as it happens
Record each purchase against the account it came from and the budget it belongs to.
- Accounts and budgets update together, so they always agree.
- Move money between budgets when plans change.
- Every change is kept in a ledger you can look back through.
Try it
Log a purchase and watch an account and a budget go down together. Sample numbers, nothing is saved.
On a credit card, what you owe goes up. The budget still goes down, so the money to pay the card is set aside.
Nothing logged yet. Try one, then another from the Visa.
That's the whole idea. Sign up and it works the same with your own numbers.
Then, see the big picture
Once your money has a job, Finralis shows how it's going.
Everything at a glance
Budgets, accounts and net worth side by side, with your emergency fund, savings rate and credit use across the top.
Watch your net worth grow
Everything you own minus everything you owe, over 30 days, 90 days, a year or all time.
Sample data. Investment values go up and down, and past performance doesn't guarantee future results.
See what you're really saving
Your savings rate paycheck by paycheck against your goal, and which budgets the money went to.
Track your investments
Your 401(k), IRA and HSA values, with contributions and market growth kept apart for each account.
Sample data. Investment values go up and down, and past performance doesn't guarantee future results.
Screenshots from the Demo account, with sample numbers.
Questions
Is it free?
Yes. Budgets, accounts, transactions, recurring expenses, analytics and investment tracking are all free. Plus and Premium, coming soon, will add automatic bank syncing and planning tools.
Do I have to connect my bank?
No. You enter balances and purchases yourself, so no bank login is needed. Connecting a bank will be an optional Plus feature.
Is my data safe?
Everything is encrypted over HTTPS, passwords are stored only as salted hashes, and two-factor sign-in is available. We never sell your data or use it for advertising. More on the Security page.
I already budget in a spreadsheet. Why switch?
All of the control, none of the formulas. Add a budget or a purchase and the totals, checks and history update on their own.
Can I take my data with me?
Yes. Download your accounts, budgets and transactions as Excel or CSV anytime, or delete your account and everything in it.
Ready to give every dollar a job?
Free, and about three minutes to set up.
Sign Up