Now in early access

Budget based on
reality, not
resolutions.

Small daily habits reveal your real spending. After 30 days, you'll know exactly what a budget should look like β€” built from how you actually live.

See how it works β†’
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
10%
donated to charitable causes

The budgeting app that starts with honesty.

πŸ“‹
Track first, budget second
Spend 30 days logging honestly. After 30 days, you'll know exactly what a budget should look like β€” built from how you actually live.
πŸŽ™οΈ
Log with your voice
Say "coffee, $4.50" and Francis fills in the rest. Fast, frictionless, no typing required.
πŸ“Š
Know before you spend
Before you go out to eat, open Francis. You'll see exactly how much is left in that category β€” instantly. No math, no digging. Just the number you need, right when you need it.
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Privacy that means something
No ads. No data selling. No Plaid. No bank connection. Ever.
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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 10% of Francis profits go to charitable causes.
⚑
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.

"The best budget isn't the one you planned β€” 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 β€” 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
2
steps: log the expense β†’ see the impact β€” associated with reduced discretionary spending (2023 Journal of Consumer Interests)
1
brief moment of conscious attention is the key mediating variable β€” not the data itself
Read the full research breakdown β†’
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 $5/month or $50/year
~54% cheaper
Team ~200 employees 1 founder + Claude Code
Philosophy
YNAB
Budget first, track second
Francis
Track first, budget second built from reality
Onboarding
YNAB
20+ screens, paywall upfront high friction
Francis
Optional tour, then log low friction
Bank connection
YNAB
Required mandatory
Francis
Not a feature not applicable
Transaction entry
YNAB
Manual keyboard or bank import
Francis
Tap-to-log or voice. Say what you spent, done. voice-first
Privacy
YNAB
Ad-supported, data shared ad-supported
Francis
No ads. No data sharing. ad-free
Pricing
YNAB
$109/year
Francis
$5/month or $50/year ~54% cheaper
Team
YNAB
~200 employees
Francis
1 founder + Claude Code
Pricing

Simple, honest pricing.

$50
per year
or $5/month Β· 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 Β· iOS coming soon