Features
What BetrBudget does — and what makes it different.
See pending charges immediately
Most budgeting apps wait until a transaction posts before showing it to you, sometimes 2–4 days later. BetrBudget pulls pending Plaid data on every sync, so the $87 you spent at Costco an hour ago shows up now — assignable to an envelope today, not Thursday.
Reconciliation that catches drift
When a pending charge posts as a different amount, we don't silently overwrite. We flag it for review so you can see exactly what changed and decide what to do.
Envelope budgeting with sweep
Assign every dollar to an envelope. When you go over in one, sweep planned money from another envelope. Every sweep is logged. Undo any time.
Manual + CSV import for everyone
Free tier covers manual transaction entry and CSV import — forever, no asterisk. Banks aren't required to use BetrBudget; they just make it faster.
Family-shared, no per-user attribution
One household, one budget. Roles for spouses (full edit) and teens (view + add). Theme is per-user; everything else is shared.
Soft delete + permanent delete
Deleting moves transactions to a Deleted tab where they can be restored. From there, an explicit Permanently Delete action removes them from the database — for good.
Self-host friendly
The whole stack runs on Node, PostgreSQL, and Next.js. You can run BetrBudget on your own server if you want full control over your financial data. Hosted version coming soon.