Every dollar,
finally in focus.
Link your banks once. Budgetnik reconstructs your cash position, shows whether income covers spending, and surfaces the categories and channels that actually move the needle.
Read-only bank access · Bank-level encryption · No card required.
12,000+
Banks & credit cards via Plaid
Cash + debt
Position you can trust over time
Click → drill
From chart spike to transactions
<1 min
To connect your first account
Built for clarity
Dashboards that answer the questions you actually ask
Not another spreadsheet of transactions. Budgetnik turns linked accounts into a cash story you can follow — and act on.
Know if the month is working
See liquid cash, credit-card debt, and net position in one place — then follow balances, income vs spending, and debt over time.
- Plain-language verdict: is income covering spending?
- Balances, money in vs out, and debt trajectory — click to drill in
- Filter by range and account without losing the big picture
Built for decisions, not data entry
Budgetnik does the reconstruction and categorization so you can ask better questions: Am I covered? Is debt falling? What drove that spike?
Cash position, plainly
Net cash = liquid balances minus credit-card debt — with a clear verdict on whether income is covering spending.
Income vs spending
Monthly money-in and money-out side by side, so shortfalls and surpluses are obvious before they pile up.
Spending by channel
Credit, depository, and cash broken out — so card float and checking spend stop getting mixed into one vague number.
From spike to why
Click a month, a balance point, or a category and land on the transactions behind it — no hunting through statements.
From linked bank to clear answer
Setup is short. The insight is what you keep coming back for.
Connect your banks
Securely link checking, savings, and cards in under a minute with Plaid — the same rails trusted by leading fintech apps.
We build your cash story
Budgetnik imports history, categorizes activity, and reconstructs balances over time for accounts that transactions fully explain.
Decide with confidence
Open Cash Flow, Spending, or Overview — spot coverage gaps, falling debt, and category creep before they become surprises.
Clarity without giving up control
We built Budgetnik with the same security standards as the institutions you bank with. Every connection is encrypted and read-only by design — so you can focus on the charts, not the risk.
- 256-bit encryption in transit and at rest
- Read-only access — Budgetnik can never move money
- Your bank credentials are never stored on our servers
- Disconnect any account at any time
Stop guessing how the month is going
Link your accounts and open a cash-flow view that tells you — in plain language — whether you're covered, falling behind, or pulling ahead.