Zero-based budgeting · Manual entry · No bank syncing
Know exactly what's left to spend.
Frugi is manual-entry, zero-based category budgeting with no bank connections — and it pays you real Bitcoin for staying consistent. $5 a month.
Built for the
- Frugal — Value measured per dollar
- Overpaying — Done with $100+/yr budgeting
- Bitcoiner — Sats over points
- Cashflow tracker — Pure budgeting, no portfolio tracking bloat
- Manual-entry enthusiast — You log it yourself
No credit card · No bank login · Cancel in one tap
The manifesto
Automation makes you worse at money.
When an app imports your spending for you, the numbers show up already spent. You skim them, you accept them, and you learn nothing. Entering each expense yourself puts you back in the loop: you see the amount, you choose the category, and you feel the balance move. That awareness is what turns into discipline — and no bank sync, however clever, has ever produced it for anyone. The small effort isn't a flaw in the design. It's the whole reason it works.
Automated budgets lie to you a little.
Bank sync runs a day or two behind, guesses your categories, and quietly teaches you to stop looking. Logging it yourself is instant and deliberate — you know the number because you put it there.
Auto-sync reality
- Yesterday's balance, shown today
- Miscategorized imports to fix later
- A transaction feed you learn to ignore
- Your bank login living in a vendor's database
Frugi reality
- The number is true the second you log it
- You picked the category, so it's right
- A few seconds per expense, then done
- No credentials — there's nothing to connect
Everything you need. Nothing you don't.
No investment dashboards. No net-worth graph. No credit score. Five screens doing one job: helping you answer “how much do I have left to spend?”
Categories that run your week
Put the money you actually have into categories and watch budgeted vs. available update as you spend. Set recurring targets for the bills you know are coming. Run more than one budget under a single login.
- Budgeted vs. Available on every category
- Recurring targets for irregular bills
- Multiple budgets, neatly separated
- Move money between categories in a tap
A plain ledger of what you logged
Every transaction you entered, in a clean, scrollable, searchable list — with color flags to mark what matters. Nothing imported, so there's no auto-categorized noise to clean up.
- Clean, scrollable transaction log
- Fast search across everything you entered
- Color flags to find what matters
- Only what you logged — zero imported noise
Your month, with nothing extra
Ready to Budget, money in vs. spent vs. budgeted, and the sats you've earned so far. Short, practical tips meet you where you are. Nothing you didn't ask to see.
- Ready to Budget, front and center
- In vs. spent vs. budgeted at a glance
- Live count of sats earned this cycle
- Bite-size budgeting tips, no fluff
Just the cash you actually have
Your checking, savings, and cash accounts with balances you keep current, plus a full per-account register. No investments. No net worth. No credit score. The cash, and what's left to spend from it.
- Checking, savings & cash accounts
- Balances you keep accurate yourself
- Full per-account transaction register
- No net-worth graph, no credit score
Your Bitcoin, earned and explained
Your in-app Bitcoin balance, the transparent criteria behind every sat, and Lightning withdrawals to a wallet you control. No mystery, no lock-in — real Bitcoin for real consistency.
- In-app Bitcoin balance, always visible
- Transparent, no-mystery earning criteria
- Withdraw over Lightning to your wallet
- On-chain above a small fee threshold
Privacy & sovereignty
We can't sell what we never collect.
No bank connections. No Plaid. No aggregators. There are no credentials to store, breach, or subpoena — and no transaction feed to monetize, because we never fetch it.
We don't connect to your bank
No Plaid, no aggregators. Your bank login never touches Frugi, so it can't leak from Frugi.
We have no data to monetize
We don't hold your bank's transactions, so there's nothing to sell, share, or hand over.
We pay you in sound money
Stay consistent and earn satoshis over the Lightning Network — withdrawable to a wallet you control.
How the sats are earned — no mystery
- 01
Show up consistently
Keep your budget current by logging as you go, not in one frantic catch-up.
- 02
Keep every dollar budgeted
Maintain a zero-based budget where your money has a purpose instead of sitting idle.
- 03
Reconcile your accounts
Keep balances accurate so your budget reflects reality, not guesswork.
- 04
Share Frugi with a friend
Refer someone who sticks with it and you'll both earn a big sat bonus — our largest single reward.
Trial: You earn sats during your 35-day free trial — no credit card — and unlock them the moment you subscribe.
Withdrawals: Real Bitcoin, not points. Withdraw to any wallet you control: Lightning anytime, on-chain above a small fee threshold.
Same method. A fraction of the price.
The budgeting discipline you already trust — without the bloat, the bank connections, or the $100 bill.
$5/mo- Price$5/mo · $60/yr
- Bank connectionsNone — by design
- Manual entryThe whole method
- Your bank dataNever collected
- Net worth / investments / creditNot tracked
- Rewards for consistencyReal sats, to your wallet
- Built forLogging on your phone
- Price$100+/yr
- Bank connectionsRequired (Plaid)
- Manual entryAn afterthought
- Your bank dataAggregated & stored
- Net worth / investments / creditBloat to scroll past
- Rewards for consistencyNone
- Built forSitting at a desktop
We don't name names. You know the one.
Five rules. No jargon.
Zero-based budgeting — proven habits, in plain language.
Put every dollar to work
Give all the money you have a purpose, so your budget reflects intentions instead of hope.
Plan for irregular expenses
Break big, occasional bills into monthly chunks so they never blindside you again.
Go with the flow
Overspending isn't failure. Move money between categories and keep your plan alive.
Create a buffer
Build up until you're spending money you earned weeks ago — and the paycheck-to-paycheck cycle breaks.
Embrace manual entry
Log every expense yourself. The small effort is exactly what builds the awareness.
One price. Less than a coffee.
No tiers, no upsells, no “contact sales.” Free for 35 days — earn sats while you try it — then $5 a month, billed annually.
Save 28% vs. monthly
Annual
Billed annually at $60. Cancel anytime.
No credit card · Earn sats during the trial · Cancel anytime
Every plan includes
35-day trial- Unlimited categories & multiple budgets
- Manual-entry, distraction-free tracking
- Searchable spending log with color flags
- Checking, savings & cash accounts
- Real Bitcoin (sats) for consistency
- Lightning & on-chain withdrawals
- Mobile-first web app (iOS & Android coming)
- Sats earned in the trial, unlocked on subscribe
$60/yr. Sats are a reward for consistent use, not an investment return. Cancel anytime.
The honest answers.
No, and we never will. Frugi has no bank connections and no aggregators. You enter each expense by hand — that's the method, and it means your bank login never touches us.
Log your first expense today.
No bank login. No $100 subscription. Just your categories, the number that's left, and the sats you earn for keeping it honest.