Scan real transactions for money leaks. Then follow a plan matched to your goals and habits.
Review real transactions for recurring subscriptions that may be unused and possible repeat fees, then see an educated estimate of the potential savings from findings you confirm.
Follow income through spending and savings in one visual built from the transactions you provide.
See the recommended method, why it fits your answers, the tradeoffs, and the first actions to take.
Track monthly category trends, budget vs. actual, and recurring subscription price increases in one place.
Create funds for any goal. Track contributions and watch progress month over month.
Start Manually. Stay in Control.
The free 30-day trial requires no payment card and uses manual entry or supported CSV imports. It never converts automatically, so you can test the plan before paying.
Automatic account connections are not currently enabled. Manual entry and CSV remain available for your scan, budget, and reports.
Whichever path you choose, supported sensitive transaction fields are encrypted before database storage. We do not sell personal data or run ads based on your spending.
Your Institution
You export the transactions you want to use.
Your Device
You decide when the file leaves your hands.
Liberty Processes the File
The raw CSV is not retained after processing.
Liberty Database
Sensitive fields are stored encrypted at rest.
No bank connection and no payment card during the trial.
Not Currently Enabled
Use manual entry or supported CSV imports for now.
Subscribing does not enable an account connection while this feature is unavailable.
Visualize Your Money
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.
Transactions
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.
Transactions are auto-categorized on import using MCC codes and merchant name matching. Review and correct in seconds.
Switch between a traditional list view and a spreadsheet view. Power users can edit directly in the grid.
Identify recurring transactions like subscriptions, rent, and utilities so nothing slips through.
Split a single transaction across multiple categories and add custom tags for deeper tracking.
Reports
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.
Savings Goals
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.
Run as many savings goals simultaneously as needed, each with its own target and timeline.
Watch funds grow over time with cumulative progress charts and clear remaining-goal visibility.
Set monthly contribution targets and see whether each fund is on track every month.
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 changes | Manual / CSV Trial | Paid plan |
|---|---|---|
| Cost and commitment | 30 days, $0, no payment card, no automatic conversion | Active monthly or annual subscription |
| How transactions arrive | Manual entry or supported CSV import | Manual entry or supported CSV import; automatic connections are not currently enabled |
| Bank authorization | None | Automatic connections are not currently enabled |
| Update timing | When you add or import data | When you add or import data |
| Personalized plan and reports | Included | Included |
| Liberty data promise | Encrypted supported sensitive fields; no personal-data sales | Same protection |
Automatic account connections are not currently enabled. Manual and CSV workflows remain available.
Free scan. Personalized plan. No payment card.
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