Free manual option — Low-Cost Account Sync Available

The Personal Finance App
That Does It All.

Budget smarter, track investments, plan retirement, and watch your net worth grow - free to use, with optional low-cost bank sync via Plaid.

See demos ↓

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🛡️ Your Data is Safe🆓 Free to Start🔒 Your Data, Yours🏦 Bank Sync via Plaid*👥 Partner Sharing

Why IfISaved?

Use the full app free. Add low-cost automatic bank sync via Plaid when you're ready — still far less than what the others charge.

🛡️

Your Data is Safe

We use OAuth/API-Based Connections to ensure your data is secure and private. We don't have access to your login credentials, account numbers or identifying information, only Plaid ever has this data and Plaid is an industry standard. In fact we have to pass an extensive security review in order to have access to Plaid.

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Free to Start, Low Cost to Sync

The full app is free — budgeting, net worth, investments, retirement planner, all of it. Add automatic bank sync via Plaid for a low monthly fee. Monarch is $99.99/yr. YNAB is $14.99/mo. IfISaved stays well below both.

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Everything in One Place

Budget tracking, net worth, investments, retirement projections, property, and debt payoff — no more juggling multiple apps.

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Real Bank Sync *small fee

Connect your accounts via Plaid — the industry standard for secure bank connections — to auto-import transactions, balances, and investments. A small fee applies for automatic transaction updates; all other features remain free.

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Share with a Partner

Invite a spouse or financial advisor to view your profile. Get on the same page financially with a shared, read-only view.

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Finance Education

Our blog covers everything from Roth IRA strategies to debt payoff plans — practical advice written from real experience.

How We Compare

Everything the paid apps charge $99–$180/year for — available free or at a low cost for automatic sync.

FeatureIfISavedFree / + Plaid*Monarch$99.99/yrYNAB$14.99/mo
Budget Tracking✓ ✓ ✓
Net Worth Dashboard✓ ✓ ✗
Investment Tracking✓ ✓ ✗
Retirement Planner✓ ✗ ✗
Debt Payoff Planner✓ ✗ ✗
Property / Real Estate✓ ✗ ✗
Bank Sync via Plaid*✓ ✓ ✓
Partner / Advisor Sharing✓ ✓ ✗
No Ads✓ ✓ ✓
Free Option Available✓ ✗ ✗

* The full app is free. Automatic transaction updates via Plaid are available for a low monthly fee.

Powerful Features to Manage Your Money

Live previews with real data — click any card to open the full interactive demo

Net Worth
$81,550
Assets
$126,750
Debt
-$45,200
12-Month Net Worth Trend
🏦Chase Checking$12,450
💵Ally Savings$18,500
📈Vanguard 401k$95,800
💳Capital One CC-$2,340

📊 Overview Dashboard

All your accounts, net worth, and trends in one place

Click to explore full demo →
March 2026$3,842 / $4,550 (84%)
🏠Housing$1,500/$1,800
🍔Food & Drink$850/$1,000
🚗Transportation$420/$500
🛒Shopping$500/$700
🎭EntertainmentOVER$380/$300
⚡Bills & Utilities$192/$250

💰 Smart Budgeting

Custom budgets with per-category spending and alerts

Click to explore full demo →
Avg Income
$3,476
Avg Expenses
$2,710
Avg Savings
$766
Monthly Income vs Expenses
SepOctNovDecJanFebMar
IncomeExpenses
Net Worth Growth

📉 Trends & Analytics

Monthly income vs expenses and net worth growth over time

Click to explore full demo →
Portfolio Value
$95,800
YTD Return
+$3,200 (3.5%)
12-Month Performance
VTSAXTotal Stock Mkt+4.2%$58,400
61% of portfolio
VBTLXTotal Bond Mkt+1.1%$22,100
23% of portfolio
VTIAXIntl Stock Idx+2.8%$15,300
16% of portfolio

📈 Investment Tracking

Portfolio performance, holdings breakdown, and returns

Click to explore full demo →
8%
Retire at Age 65
Current Age: 32 · 33 years to go
Saved so far$95,800
Monthly contribution$1,850
Projected at 65$4,323,534
Savings Projection to Age 65
Goal: $1,200,0008% funded

🎯 Retirement Planning

Savings projections, contribution tracking, and retirement goals

Click to explore full demo →
Total Value
$570,000
Total Equity
$142,000
Appreciation
$55,000
Main Residence Valuation Trend
🏡
Main Residence
Primary · $1,850/mo
$350,000
Equity: $102,000 (29%)Mortgage: $248,000
🏘
Rental Property
Rental · $1,200/mo
$220,000
+$1,450/mo income
Equity: $40,000 (18%)Mortgage: $180,000

🏠 Property Management

Real estate values, equity tracking, and rental income

Click to explore full demo →

📝 From the Blog

See all posts →
What Are You Actually Clearing? Meet the New Business Page for Side Hustles, Gig Work, and Small Businesses
October 25, 2026
Your gig app says you earned $600 this week, but what did you actually keep after gas, mileage, and taxes? The new Business page shows your real take-home, real hourly pay, and keep rate for side hustles, gig work, and small businesses, with transaction import, auto-import from budgets, and receipt tracking for tax time.
The 4% Rule Explained: Where It Came From, Why It Worked, and What It Means for Your Retirement Income
October 22, 2026
The 4% rule says you can withdraw 4% of your portfolio in your first year of retirement, raise it with inflation, and not run out for 30 years. We rebuilt the historical test behind it with real market data, show what retirees were typically left with, explain how it has been revised upward, and connect it to the Monte Carlo analysis on your Retirement Planning page.
Car Buying Season: When to Buy, New vs. Used, and How Much Car You Can Afford
October 4, 2026
Fall is car buying season. When is the best time of year to buy, is a two-year-old car better than a new one, and how much of your income should be tied up in vehicles? A look at the numbers behind your next car purchase.

Start Managing Your Money Today.

Use the full app free. Add low-cost automatic sync when you're ready.
No long-term commitment, cancel anytime.

* The full app is free. Automatic transaction updates via Plaid are available for a low monthly fee.
✓ Budget tracking✓ Investment tracking✓ Retirement planner✓ Debt payoff planner✓ Bank sync (Plaid*)✓ Net worth dashboard