No bank login · ever

Your bank stays out of it.

Envelope budgeting that runs on statement files you import — no Plaid, no permissions, no third party watching your money.

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30 days free No credit card $9/mo — not $14.99
This cycle · left to spend On track
2 418.50
Groceries 312 / 400
Rent 1 800 / 1 800
Dining out 240 / 250
Car fund 135 / 300

Switching from YNAB?

$9/month vs $14.99/month No bank login required OFX file imports Simpler interface No philosophy to learn 30-day free trial

How It Works

1

Create Envelopes

Set up envelopes for every spending category — rent, groceries, entertainment, savings. Allocate your income across them.

2

Import Bank Statement

Download an OFX file from your bank and import it. Your transactions appear instantly — no retyping, no mistakes.

3

Match to Envelopes

Match each imported transaction to the right envelope. See exactly how much you have left to spend in every category.

Why It Works

Stop Overspending

Every dollar gets a job. When an envelope is empty, you stop spending in that category. Simple rules, real results.

Save Hours of Data Entry

Import your bank statement and match transactions in seconds. No more typing every purchase by hand.

Know Exactly Where You Stand

13+ reports show spending by envelope, budget vs actual, income vs expenses, net position, and more.

Everything You Need

  • Separate budgets for separate lives — manage multiple households
  • Budget cycles that fit your schedule — monthly or custom periods
  • Know when envelopes will be full — inflow predictions by pay cycle
  • Track money owed to you — debt envelopes with built-in tracking
  • See your full net worth — asset tracking alongside your budget
  • Model your income timing — income streams with schedule tracking
  • Organize envelopes your way — tags and categories for grouping
  • Reconcile with your bank — match imported transactions to envelopes
  • Budget on the go — fully responsive design on any device
  • Get AI-ready financial context — export data for AI advice

Simple, Fair Pricing

Full Access

$9/month

or $90/year (save $18)

  • All features included
  • Unlimited envelopes
  • Unlimited bank imports
  • All 13+ reports
  • 30-day free trial
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How It Compares

MoneyMindedMe YNAB GoodBudget PocketSmith
Envelope budgeting
Bank imports OFX file Plaid Plaid
Privacy (no bank login)
OFX file import
Price $9/month $14.99/month $8/month $10-22/month

Frequently Asked Questions

Envelope budgeting is a method where you allocate every dollar of income to a specific purpose — like putting cash into labeled envelopes. When an envelope is empty, you stop spending in that category. It keeps you intentional about where your money goes.

No. MoneyMindedMe never asks for your bank login. You download an OFX statement file from your bank and import it directly. Your credentials stay with your bank — we never see them.

MoneyMindedMe supports OFX (Open Financial Exchange) files, which most banks offer as a download option in their online banking portal. Look for "Export" or "Download transactions" in your bank's website.

Yes. You get 30 days free with full access to every feature. No credit card required to start.

Both use envelope budgeting, but MoneyMindedMe doesn't require connecting your bank account. You import OFX files instead, which means no third-party access to your banking credentials. It's also simpler and costs less — $9/month vs $14.99/month.

Yes. Your data is encrypted in transit and at rest. Because we use file imports instead of bank connections, there's no stored bank login to compromise. We never have access to your banking credentials.

Start budgeting in 5 minutes

Create your envelopes, import your bank statement, and see where every dollar goes.

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