All your accounts in one place
Checking, savings, credit or deferred-debit cards: every balance is recalculated down to the transaction, with a consolidated or per-account view.
🔒 Encrypted data · GDPR compliant · Hosted in Europe
Finally know what you'll have left at the end of the month.
UseBudget brings your accounts together, categorizes your spending automatically and projects your end-of-month balance. Decide ahead, instead of finding out after.
30-day free trial (card required, no charge before it ends) · From €9.99 / month · No commitment, cancel online anytime
- OFX, QFX & CSV import
- Automatic categorization
- End-of-month forecast
- Français & English
usebudget.marolya.fr
Dashboard
Balances, end-of-month forecast and latest transactions at a glance.
Real app screenshots — fictional demo data.
Everything you need to steer your money
From accounts to forecasts, UseBudget covers your whole budget workflow — without ever touching your bank credentials.
Bank import in 2 clicks
Drop your OFX, QFX or CSV statements. Preview before confirming, duplicates detected automatically, categories already suggested.
Automatic categorization
Create rules by keyword, amount or advanced pattern — with a live preview of how many operations they would match. After a manual filing, UseBudget even offers to create the rule for you.
Envelope budgets
Set a planned amount per envelope, compare it to actuals live, copy an empty month from the previous one in a click, and switch to the yearly view to plan twelve months from the keyboard.
Balance forecasts
Projected balance at month-end and over the coming months, computed from your budgets and your real habits.
Advanced analytics
Spending composition, trends by area, month-by-month pivot table: understand exactly where your money goes.
Recurring schedule
Rent, salary, subscriptions: described once, they count ahead in this month's and next month's budget, then get reconciled with your statements at import.
Alerts and reports
Weekly email summary, envelope overspend alert, push notifications, monthly PDF report and statement reconciliation — all opt-in, nothing by default.
Multi-currency
An account in the US, another in the UK? Each account in its own currency, your totals converted at the ECB reference rate, and cross-currency transfers at the amount actually received.
Up and running in three steps
No complex setup: you are autonomous from the very first session.
- 1
Create your account and start the trial
Sign up in two minutes, then activate your 30-day free trial (no charge). Add your bank accounts with their opening balance — an interactive tutorial guides you step by step.
- 2
Import your statements
Download your statements from your bank and drop them into UseBudget: transactions are categorized automatically.
- 3
Steer your budget
Define your envelopes, watch actuals against plan and anticipate your month-end at a glance.
Your money, your data. Full stop.
Privacy is not a feature: it is built into UseBudget's architecture.
Encryption at rest
Labels, notes, split amounts: your sensitive data is encrypted in the database.
No bank connection
UseBudget never connects to your bank. You import your statements yourself: your bank credentials never leave your bank.
Your data belongs to you
Full export in one click, total and immediate account deletion. No resale, no ads.
European hosting
Application and database hosted in the European Union, in compliance with the GDPR.
Simple pricing, no surprises
30-day free trial on every plan. No commitment: cancel online anytime.
Base
The essentials to take back control of your everyday budget.
€9.99/ month
- Dashboard and forecasts
- Unlimited accounts
- Multi-currency: each account in its own currency
- OFX, QFX & CSV import
- Categories and automatic rules
- Envelope budgets
- Full data export
Most popular
Base + Analytics
The complete experience, with the analytics module, predictive rules and savings projects.
€13.99/ month
- Everything in Base
- Advanced Analytics module
- Spending composition and trends
- Month-by-month pivot table
- Predictive rules (history)
- Recurring schedule
- Monthly PDF report
- Savings projects with automatic tracking
Analytics add-on
A complementary module, added only to an already active Base subscription — from the Subscription page of your account.
€4.99/ month
- Advanced Analytics module
- Spending composition and trends
- Month-by-month pivot table
- Predictive rules (history)
- Recurring schedule
- Monthly PDF report
- Savings projects with automatic tracking
Every plan starts with a 30-day free trial (card required, no charge before the trial ends). Net prices in euros (VAT not applicable, article 293 B of the French Tax Code), cancel online anytime.
Frequently asked questions
Everything you need to know before diving in.
Is UseBudget free?
UseBudget is subscription-based, with a 30-day free trial on every plan: you start the trial from your account, a card is required but nothing is charged if you cancel before the trial ends. After that, the Base subscription is €9.99 / month or €99.00 / year, and the full Base + Analytics plan is €13.99 / month or €139.00 / year. You can cancel online at any time.
What happens at the end of the trial or subscription?
Without an active subscription, your account becomes read-only: all your data stays viewable and exportable, but you can no longer modify it. Nothing is deleted, and you pick up right where you left off when you resubscribe.
Do I have to connect my bank account?
No — and that is deliberate. UseBudget never connects to your bank: you import your statements (OFX, QFX or CSV files) downloaded from your online banking. Your bank credentials never leave your bank.
Is my data safe?
Yes. Your sensitive data is encrypted at rest in the database, all traffic is encrypted over HTTPS, and the app is GDPR compliant: you can export all of your data or permanently delete your account at any time.
What does the Analytics add-on include?
The Analytics add-on unlocks the advanced analytics module (spending composition, trends by budget area, a month-by-month pivot table), predictive rules that learn from your categorization history, plus savings projects with automatic tracking. It requires an active Base subscription (€4.99 / month or €49.00 / year) and is added as a second line of the same subscription: one single invoice, prorated on the next billing date, with no new trial.
Can I install UseBudget on my phone?
Yes: on Android, UseBudget is available on Google Play. The app also installs as a PWA straight from the browser: on Android, Chrome offers "Install app" (or menu ⋮ → Add to Home screen); on iPhone, Safari → Share button → "Add to Home Screen". The interface is fully responsive. On iPhone, it is also available on the App Store.
How do I cancel my subscription?
Once your subscription or trial has started, My account → Manage subscription gives you access to the secure Stripe billing portal to switch plans or cancel in a few clicks. Your access stays active until the end of the period you already paid for.
Ready to take back control of your money?
Create your account in two minutes and enjoy a 30-day free trial, no commitment.
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