Envelope budgeting meets smart insights. Assign every dollar a job, track your spending, and let automated alerts keep you ahead of surprises.
A familiar three-pane workspace puts your sidebar, transactions, and insights side by side — no tab-hopping, no hunting.
PFM is a personal finance app built around envelope budgeting — the method where every dollar gets assigned a purpose. Add your accounts, categorize your spending, set goals, and let smart insights surface what matters most. All in one clean, private dashboard.
Assign every dollar to a category with envelope budgeting. Carry forward unspent amounts, adjust on the fly, and always know how much is left.
Learn moreSee all your accounts and transactions in one place. Income, expenses, transfers — every dollar is visible and categorized.
Learn moreSmart alerts when spending spikes, automatic categorization suggestions, and natural language queries about your finances.
Learn moreSet savings goals, schedule recurring transactions, and forecast your financial future. Plan with confidence, not guesswork.
Learn moreThe envelope method is simple: give every dollar a job before you spend it. Create category groups, allocate monthly budgets, and carry forward what you don't use.
Income, expenses, and transfers — all in one unified list. Categorize each entry, add notes, and filter by date, type, or account.
Set up your bills, subscriptions, and regular income once. PFM tracks due dates, shows upcoming charges, and automatically creates transactions when they're due.
Visual spending breakdowns, category trends, and monthly comparisons that tell a story. Understand your patterns, spot areas to improve, and track progress over time.
Set savings targets for the things that matter — an emergency fund, a vacation, a new car. Link goals to real accounts, contribute at your own pace, and watch progress fill up.
Chat with your financial data using natural language. Ask about spending trends, get smart categorization suggestions, and receive proactive alerts when something looks off.
I finally understand where my money goes each month. The envelope system clicked for me in a way that no other app managed.
The assistant is a game-changer. I just ask how I'm doing and it tells me — no digging through charts or spreadsheets.
Switched from spreadsheets to PFM and I'll never go back. Clean interface, zero clutter, and my savings goals keep me motivated.
Join people who've moved from guessing where their money went to knowing exactly where it's headed. It's free to get started.