Now in early access

Know your money in 30 seconds a day.

No bank connection. No budget to set before you've learned anything. Just log what you spend, and let 30 days of real data tell you the truth.

See how it works →
Today, Apr 6
Monthly
Annual
Bills
MONTHLY BUDGET
$412 spent $1,068 left
Groceries $271 left
$54 spent
$9/day left
Eating Out $71 left
$304 spent
$4/day left
Fun $130 left
$70 spent
$7/day left
30
days of honest tracking before your first budget
$0
bank connections required. ever.
5s
tap or voice to log a transaction
20%
of profits donated to causes you choose
How it works

The budgeting app that starts with honesty.

📋
Track first, budget second
Spend 30 days logging honestly. Francis watches your patterns. Then at day 30, it suggests a budget built from your real numbers — not your aspirations.
⚡
Friction is the feature
Manual logging creates a pause between spending and recording. That pause is where awareness lives. No auto-sync. No passive watching. Just you and your numbers.
📊
$/day left — not just totals
Every category shows how much you have left per remaining day in the month. Not "you have $300 left" but "$9/day until the 30th." That's the number that changes behavior.
🔒
Privacy that means something
No ads. No data selling. No Plaid. No exceptions. Your financial data stays yours. We tell you exactly what we do and don't do with it — in plain English.
🙏
Giving as a first-class feature
Named after St. Francis of Assisi. Charitable giving has its own category, its own tracking, its own reflection. And 20% of Francis profits go to causes you direct.
🎙️
Log with your voice
Say "coffee, $4.50" and Francis fills in the rest. On-device transcription. Your words never leave your phone.

"The best budget isn't the one you planned — it's the one built from how you actually live."

The Francis philosophy

The research

Why manual tracking actually works

Most finance apps treat logging as a necessary evil — something to automate away. Francis treats it as the point. There's a well-documented mechanism in behavioral psychology called self-monitoring: actively recording your own behavior changes the behavior itself.

When you have to log a purchase, something small happens: you think about it. That brief pause between impulse and record is where different decisions become possible. Automated sync eliminates that pause entirely. Francis puts it back.

29
financial self-control studies in a 2021 meta-analysis found statistically significant effects on real spending behavior
↓
discretionary spending after manual expense tracking, per 2023 Journal of Consumer Interests research
1×
brief moment of conscious attention is the key mediating variable — not the data itself
Read the full research breakdown →
vs. the other guys

Why Francis is different

YNAB Francis
Philosophy Budget first, track second Track first, budget second
built from reality
Onboarding 20+ screens, paywall upfront
high friction		 Optional tour, then log
low friction
Bank connection Required
mandatory		 Not a feature
not applicable
Transaction entry Manual keyboard or bank import Tap-to-log or voice. Say what you spent, done.
voice-first
Privacy Ad-supported, data shared
ad-supported		 No ads. No data sharing.
ad-free
Pricing $109/year $59.99/year
~45% cheaper
Team ~200 employees 1 founder + Claude Code
Pricing

Simple, honest pricing.

$59.99
per year
or $4.99/month · 30-day free trial

No credit card required during trial. Cancel anytime.

You'll surprise yourself.

30 days. No budget targets. Just your real numbers.

Available on Android · iOS coming soon