Most budgeting apps start by asking how much you want to spend. Francis starts differently. Track for 30 days first. Then build a budget that actually fits your life.
"The best budget isn't the one you planned โ it's the one built from how you actually live."
The Francis philosophy
| 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 |
| 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 |
No credit card required during trial. Cancel anytime.
30 days. No budget targets. Just your real numbers.
Download Francis โ FreeAvailable on Android ยท iOS coming soon