How it works
Finralis is envelope budgeting: every dollar you have is assigned to a budget, and your budgets always add up to what's in your accounts.
Add your accounts
Start with what you already have. Add your checking, savings, credit cards and loans with today's balances.
- Enter balances by hand. No bank login needed.
- Credit cards and loans count as what you owe.
- Investment accounts get their own page, separate from your budget.
Give every dollar a budget
Split the money in your accounts into budgets, like envelopes labelled Rent, Groceries and Emergency Fund.
- When income arrives, divide it between your budgets.
- Link recurring bills to a budget to see what each one needs.
- Your dashboard shows any dollar that isn't assigned yet.
Log spending as it happens
Record each purchase against the account it came from and the budget it belongs to.
- Accounts and budgets update together, so they always agree.
- Move money between budgets when plans change.
- Every change is kept in a ledger you can look back through.
Then, see the big picture
Plus and Premium
Everything above stays free. Paid plans add more for when you want Finralis to do more of the work.
Automatic syncing Plus
Connect your bank, card and investment accounts. New transactions arrive on their own, ready for you to review, and investment values update every day.
My Plan Plus
See what each paycheck covers once bills and savings are set aside, and whether your savings goals are on track.
Retirement outlook Premium
Wondering if you're on track? Run your own numbers through hundreds of market scenarios, with Social Security and inflation included, to see the range of ways retirement could play out.
Finralis provides educational tools, not financial or investment advice. Retirement projections are hypothetical estimates based on the information you enter, and they don't guarantee future results.