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.

Get Started Free →

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 — OAuth/API-Based Connections via Plaid, the industry standard. IfISaved never stores your bank credentials.
• Free to Start, Low Cost to Sync — The full app is free — budgeting, net worth, investments, retirement planner, all of it. Monarch is $99.99/yr. YNAB is $14.99/mo. IfISaved stays well below both.
• Everything in One Place — Budget tracking, net worth, investments, retirement projections, property, and debt payoff — no more juggling multiple apps.
• Real Bank Sync — Connect your accounts via Plaid to auto-import transactions, balances, and investments. Manual entry is always free.
• Share with a Partner — Invite a spouse or financial advisor to view your profile with a shared, read-only view.
• Finance Education — Our blog covers everything from Roth IRA strategies to debt payoff plans.

How We Compare

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

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

Powerful Features to Manage Your Money

• Smart Budgeting — Custom budgets with per-category spending, transaction splitting, sinking funds, and CSV import.
• Net Worth & Investment Tracking — All your accounts, net worth, and investment trends in one place.
• Trends & Analytics — Monthly income vs expenses and net worth growth over time.
• Investment Tracking — Portfolio performance, holdings breakdown, and returns across all brokerage and retirement accounts.
• Retirement Planning — Year-by-year projections, Monte Carlo simulations, Social Security analysis, and Roth conversion modeling.
• Property Management — Real estate values, equity tracking, and rental income.

From the Blog

• The Bankruptcy Rebound: What Rising Filings Say About Inflation and Stagnant Wages
• Track Your Crypto in One Place: Balances, Prices, and a Clearer Financial Picture
• Smart Wheels: How to Budget for Your Next Car Without Wrecking Your Future

See all posts →

What People Are Saying

"I switched from Mint after it shut down and tried Monarch but couldn't justify $100/yr. IfISaved has everything I need — budgets, investments, retirement projections — all free. It's genuinely impressive."

"The retirement planner is the feature that got me. I could finally see how my 401k contributions today translate into actual retirement income. No other free tool does this."

"My wife and I share the profile to stay aligned on our budget. The debt payoff planner helped us visualize paying off our student loans 3 years early using the avalanche method."

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.

✓ Budget tracking   ✓ Investment tracking   ✓ Retirement planner   ✓ Debt payoff planner   ✓ Bank sync (Plaid*)   ✓ Net worth dashboard

Get Started Free →