Budget & Savings Bank: One Budget, Five Methods, No Monthly Fee

YNAB runs $109 a year. Monarch Money is about the same, at $99.99 a year or $14.99 a month. Copilot Money is $11.99 a month, though it’s iOS-only. Even EveryDollar, which has a solid free tier, charges $18 a month once you want the full version. Add a savings app like Qapital ($3-6/month) on top and a typical person chasing a “complete” money setup is looking at $150-300 a year in software, most of it for the same core job: organize categories, watch a total, don’t overspend.

Budget & Savings Bank does that core job for $2.49, once.

The same numbers, five different lenses

Every budgeting method is really just a different way of grouping and judging the same categories. Zero-based budgeting asks whether every dollar has a job. The 50/30/20 rule asks whether needs, wants, and savings land near 50%, 30%, and 20% of income. The envelope system asks how much is left in each bucket. A biweekly paycheck plan asks what each check needs to cover. Pay-yourself-first asks what’s left over after savings comes off the top.

Most tools pick one of these and make you commit. Budget & Savings Bank builds all five from the same category list — enter your income and categories once, and switch between Zero-Based, 50/30/20, Envelope, Biweekly, and Pay Yourself First views without re-entering anything. Paid every two weeks? Check the biweekly view. Trying to hit the 50/30/20 split? See exactly where it’s off. Each view prints as its own clean, PDF-ready document.

Savings goals that tell you the number that matters

An emergency fund, a vacation, a laptop — each goal gets a target amount, an optional target date, and a running total as you log deposits. The one number most savings trackers skip: how much per month does this actually need, given the date you set? Budget & Savings Bank calculates it automatically and updates it every time you add funds, so “someday” turns into a specific monthly figure.

Planned vs. actual, without the bank connection

Every category tracks what was planned against what actually happened, with the difference calculated live as you edit. No bank account linking, no transaction categorization to correct, no data leaving your device — you type in what you spent, same as a paper ledger, just one that does the math and remembers last month.

Built to stay yours

Budget & Savings Bank is a single HTML file that runs entirely offline — no account, no login, and nothing about your income, categories, or savings goals is ever uploaded anywhere. Save as many named monthly budgets as you like, duplicate last month’s categories into a new one in a click, and it’s a one-time purchase: buy it once and it’s yours, updates included.

Already tracking debt payoff with the free Debt Payoff Calculator? Budget & Savings Bank picks up right where it leaves off — add a “Debt Payoff” category under Savings/Debt and it folds straight into all five method views.

See it with sample data filled in and buy Budget & Savings Bank for $2.49 (50% off for a limited time).