BudgetLabs vs Allot

Give every dollar a job before you spend it. BudgetLabs is a zero-based budgeting app for people who want to decide where their money goes, not just watch where it went. Plan the month, assign your income, and see exactly where you stand at any point. Semi-manual by design. BudgetLabs doesn't quietly sync your bank and leave you to scroll. You stay in the loop, and AI takes the busywork out of it. AI THAT SAVES YOU TIME • Hank, your AI assistant, answers questions about your budget and adds transactions in plain English • Smart Import turns a pasted statement, PDF, or screenshot into clean, categorized transactions for you to review — or paste your bank's CSV directly • Saved rules categorize imports automatically, and duplicates are caught before they land • Snap a receipt to capture an expense PLAN WITH CONFIDENCE • Zero-based budgeting: every dollar gets a job • Group categories your way and carry leftovers into next month • Split a purchase across categories, or spread a yearly charge across the months it covers • Recurring bill reminders, with overdue bills clearly marked • Annual events for renewals like registrations, memberships, and annual fees • Cash Coverage: see your balance on any day and whether your cash covers what's due • A calendar that forecasts your balance day by day PAY DOWN DEBT • Track loans and credit cards in one place • See your debt-free date and simulate faster payoff • Split one payment across several loans • Lend money to someone else on BudgetLabs and track the repayments coming back (Pro) GROW YOUR NET WORTH • Savings accounts and goals, with projections • Investment tracking: see what's inside each account and your mix against a target • Net worth over time BUILT FOR REAL LIFE • Share a budget with your household (Pro invites; members join free) • Your currency, your categories, your order • Face ID or Touch ID lock • Connect Claude or ChatGPT to your budget, read-only • Encrypted at rest, two-factor sign-in, and a full export of your data • Works on iPhone, iPad, Mac, and the web PRICING Core budgeting is free. BudgetLabs Pro ($1.99/month or $19.99/year) raises your Hank and Smart Import limits and adds household sharing, up to 5 budgets, peer lending, and unlimited investment statement scans. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings. Privacy Policy: https://www.budgetlabs.io/privacy Terms of Service: https://www.budgetlabs.io/terms Built by an independent founder. Questions or ideas? https://www.budgetlabs.io/support

Every dollar gets a job. Allot is a zero-based budgeting app with no subscription — free to download, $11.99 unlocks every feature forever. Built for people who left YNAB when it went to $109/year, want envelope-style budgeting without a monthly bill, and don't want to hand their bank logins to a third party. Family Sharing is included — your spouse downloads, you pay $11.99 once for the household. WHY ALLOT? — Free download. $11.99 one-time unlocks every feature, forever. — No bank login. You categorize manually so your data stays on-device. — Zero-based budgeting — every dollar of income gets assigned a job. — Goals, debt-paydown plan, recurring-charges tracker built in. — Family Sharing — one purchase covers your whole household. WHAT YOU GET — Build a monthly budget where every dollar has a job — Track net worth and cash flow at a glance — Set goals (emergency fund, trip, anything) and watch progress — Plan debt-free dates with snowball/avalanche math — See every recurring charge in one place — Multiple budgets supported WHAT YOU DON'T GET — No subscription — No bank login required — No social features — No ads — No analytics — No Android (yet) Built solo. The pitch is simple — you should be able to budget without paying $109/year. $11.99 once unlocks everything. That's it.