Budgeting that actually feels effortless.
Connect your bank accounts, let transparent rules handle repeated categorization, and finally get a clear picture of where your money goes — no spreadsheets, no manual entry.
We're a small team building this in public. No paid tiers yet — everything is free while we're in early access.
Up and running in minutes
No manual data entry. No spreadsheet imports.
Connect your accounts
Link your banks and credit cards securely via Plaid. Read-only — we can see transactions but can never move money.
Rules handle repeated categorization
Transactions are automatically sorted into categories. Correct anything that's off and save a rule you can inspect or change later.
Understand your money
Set budgets, track goals, and review spending trends — all updated in real time as transactions come in.
Everything you need, nothing you don't
We're focused on doing a small set of things really well rather than shipping a feature every week.
Your data stays yours
We take security seriously for an early-stage product. Here's exactly what we do and don't do.
Read-only bank access
We use Plaid to read transactions. We cannot initiate payments or move money.
Encrypted in transit and at rest
All traffic runs over HTTPS. Your data is encrypted in the database.
No selling your data
We don't sell or share your financial data with advertisers or third parties.
JWT-based authentication
Sessions are secured with signed tokens. You can revoke access at any time.
We're early. Come build this with us.
Effortless is a small side project that got serious. It's free to use, actively being improved, and built by someone who got tired of bad budgeting apps. If you try it and something's broken or missing — please tell us.
No credit card. No subscription. Just sign up and connect your accounts.