Track Everything. Connect Nothing.

No bank connections. No ads. No one reading your transactions - including us. Powerful budgeting tools built around your privacy.

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End-to-End Encryption

Your transactions are encrypted before they reach our servers. We store ciphertext. You hold the key.

CSV Import

Works with every bank, credit union, and financial institution. No API connections required.

Sankey Diagram

See your entire money flow - income to expenses to savings - in one visual.

Visual Reports

Monthly spending by category, income trends, and budget vs. actual comparisons.

Savings Goals

Create funds for any goal. Track contributions and watch progress month over month.

Cash Flow Forecasting

Project your financial future based on your actual spending patterns.

Privacy First

Your Bank Never Knows We Exist

Most budgeting apps connect directly to your bank using OAuth tokens or services like Plaid. That means a third party sits permanently between you and your money, with ongoing read access to your account.

Liberty Budget works differently. You download a CSV statement from your bank's website - the same file you'd use for your own records - and upload it here. Your bank sees a normal export request. No app credentials. No permanent connection. No third-party access.

Your transactions are encrypted immediately on upload using a key derived from your password. We store the encrypted result. Without your password, the data is mathematically unreadable by anyone, including us.

Works with any bank or credit union Supports Chase, Bank of America, Wells Fargo, Capital One formats + more CSV stays private - we do not store the raw file
Sankey cash flow screenshot

Visualize Your Money

See Every Dollar From Income to Outcome

The Sankey diagram is Liberty Budget's signature view. Every dollar you earn flows through the chart: split into categories, allocated to expenses, and routed to savings.

Unlike a pie chart that only shows expenses, the Sankey shows your complete financial picture: income sources on the left, spending categories in the middle, and savings or funds on the right.

  • Updates automatically after every CSV import
  • Hover over flows to see exact amounts
  • Color-coded by category type
  • Exportable as an image

Transactions

Your Transactions, Your Categories

Liberty Budget automatically categorizes transactions using merchant data, then learns your preferences over time. Every category is fully customizable - rename, merge, split, or create your own.

Smart Categorization

Transactions are auto-categorized on import using MCC codes and merchant name matching. Review and correct in seconds.

Dual View Modes

Switch between a traditional list view and a spreadsheet view. Power users can edit directly in the grid.

Recurring Detection

Identify recurring transactions like subscriptions, rent, and utilities so nothing slips through.

Split & Tag

Split a single transaction across multiple categories and add custom tags for deeper tracking.

Reports

Understand Your Spending at Every Level

Liberty Budget reports give you a complete picture of financial patterns, not just what you spent, but how spending changes month over month and where you have room to improve.

  • Monthly spending summary by category
  • Income vs. expenses over time
  • Budget vs. actual comparison
  • Category trend lines
  • Net savings rate calculation
  • Exportable report data
Reports and progress screenshot

Savings Goals

Budget for the Future, Not Just the Month

Most budgeting tools only track what you already spent. Liberty Budget also lets you plan forward. Create savings funds for any goal and track contributions month by month.

Multiple Funds

Run as many savings goals simultaneously as needed, each with its own target and timeline.

Cumulative Progress

Watch funds grow over time with cumulative progress charts and clear remaining-goal visibility.

Monthly Contributions

Set monthly contribution targets and see whether each fund is on track every month.

Know Where Your Finances Are Headed

Cash flow forecasting projects your financial position weeks and months ahead based on your actual spending patterns. It is built from your real history, recurring payments, and savings contributions.

What it shows

  • Projected balance by week and month
  • Upcoming recurring expense calendar
  • Months at risk of negative cash flow (highlighted)
  • Savings fund contribution projections

Who it's for

  • Freelancers with variable income
  • Anyone managing irregular expenses (annual fees, insurance)
  • People planning major purchases or life events
  • Anyone tired of being surprised by their bank balance

How Liberty Budget Compares

Feature YNAB Monarch Bank-Connected Apps Liberty Budget
Requires bank login ❌Required ❌Required ❌Required ✅Never
Persistent bank access ❌Always on ❌Always on ❌Always on ✅Never
Transaction data encrypted ❌Varies ❌Varies ❌Varies ✅Always
We can read your transactions ❌Yes ❌Yes ❌Yes ✅Technically impossible
Sells user data ❌Varies ❌Varies ❌Varies ✅Never
Ad-free ✅Yes ✅Yes ❌Varies ✅Always
Sankey diagram ❌No ✅Yes ❌No ✅Yes
Cash flow forecasting ❌No ✅Yes ❌No ✅Yes
Savings goals ✅Yes ✅Yes ✅Yes ✅Yes
Price (monthly) ❌$14.99/mo ❌$14.99/mo ❌$14.99+/mo ✅$8.99/mo
Price (annual) ❌$99.00/yr ❌$99.99/yr ❌$99.00+/yr ✅$74.99/yr

*Competitor pricing as of February 2026. Liberty Budget price includes 30-day free trial.

Ready to Budget Without Giving Up Your Privacy?

Try Liberty Budget free for 30 days. Full features. No credit card required.

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