Getting started
Up and running in five minutes.
The guide
Five steps. One calm setup.
Step 011 min
Create your account
Sign up with your email and a password. Your account is free, with no card needed.
- Pick a strong password
- On a Mac, add a Touch ID lock
Step 022 min
Bring in your spending
Import the statement file your bank or card company lets you download (CSV or Excel), set up Apple Pay logging with an iPhone Shortcut, or just type a quick add.
- No bank login, ever
- Smart rules sort repeat merchants for you
Step 031 min
Build your first budget
Balance suggests a monthly limit from your average over the last 3 months. Keep it, tweak it, or start from scratch.
- Start with three to five categories
- Get an alert at 80% of a limit
Step 041 min
Set a savings goal
Name it, set a target and a date. Balance shows exactly how much to set aside each month to get there.
- Turn on round-ups to count spare change toward it
- A small celebration when you reach it
Step 05Ongoing
Make it a habit
A weekly summary, budget alerts and upcoming-bill reminders keep you on track, while streaks and challenges keep it fun.
- Choose which notifications you get
- Watch your Balance Score grow
Tips
Small habits, big difference.
Start small
Budget the three to five categories that matter most. You can add more once the habit sticks.
Check in weekly
A calm five-minute review each week beats anxious daily checking.
Teach it once
Recategorize a merchant and save it as a rule, so future purchases sort themselves.
Pay yourself first
Set up a transfer to savings with your bank on payday, then budget what is left.
Name goals specifically
“Japan in May” is far more motivating than “savings”. Add a date to make it real.
Lock it down
Use a password you don’t use anywhere else, and on a Mac turn on the Touch ID lock.
Ready when you are.
Free today, no bank login, and no ads. Ever.