Your money,
two ways to budget
Assign every dollar with Zero-Based budgeting, or set monthly caps with Spending Limits. Two modes, one app.
9:41
‹April 2026›
Left to Spend
$1,247.50
Spent
$1,752.50
Budgeted
$3,000.00
⌃Bills$2,000.00$20.00
Housing
$0.00
Assigned
$1,800.00
Spent
$1,800.00
Rolls over
Utilities
$20.00
Assigned
$200.00
Spent
$180.00
Rolls over
⌃Needs$700.00$269.00
Groceries
$158.00
Assigned
$500.00
Spent
$342.00
Rolls over
9:41
‹April 2026›
Left to Assign
$0.00
Cash
$7,158.74
In Envelopes
$6,356.09
Spent
$1,527.31
⌃Needs$600.00$225.14
Groceries
$28.14
Assigned
$400.00
Spent
$371.86
Refill to $400.00
Transportation
$197.00
Assigned
$200.00
Spent
$3.00
Refill to $200.00
⌃Wants$1,100.00-$52.45
Dining Out
$94.00
Assigned
$250.00
Spent
$156.00
Refill to $250.00
Everything you need to manage your money
Two Budgeting Modes
Choose Zero-Based budgeting to assign every dollar, or set Spending Limits to track against monthly caps.
Real-Time Bank Sync
Connect your bank through Plaid for automatic transaction imports and balance updates. 12,000+ institutions supported.
Net Worth Tracking
See your complete financial picture across checking, savings, investments, credit cards, loans, and assets.
Privacy First
Your financial data is encrypted on your device before it's stored. We don't run ads or sell your data.
FAQ
What is Basis Budget?
Basis Budget is an app for iOS and the web that helps you take control of your finances. It offers two budgeting approaches, Zero-Based budgeting (assign every dollar a job) and Spending Limits (set monthly caps per category), plus net worth tracking, transaction management, and automatic bank sync.
How much does it cost?
Basis Budget is $4.99/month with a 1-month free trial. You can cancel anytime.
How does bank syncing work?
Basis Budget uses Plaid, a trusted financial data provider used by thousands of apps, to securely import your transactions and balances. You authenticate directly with your bank through Plaid's secure interface. Your banking credentials are never shared with or stored by Basis Budget.
Is my financial data secure?
Your financial data is encrypted on your device with AES-GCM before being synced. We only store the encrypted ciphertext, and each user has their own unique encryption key. Bank connections are secured by Plaid with bank-level encryption. You can also enable Face ID or Touch ID to lock the app.
What types of accounts can I track?
Checking, savings, credit cards, cash, investments, loans, and manual assets like your home or vehicle. Linked accounts sync automatically; manual accounts let you update balances yourself.
What's the difference between the two budgeting modes?
Zero-Based budgeting has you assign every dollar of income to a specific category. Nothing is left unbudgeted. Spending Limits lets you set monthly caps on categories and tracks your spending against them. You can switch between modes anytime without losing your data.
Ready to take control of your money?
Available on iOS and the web.
Want to chat with other users? Join the Basis Budget Discord.