Ace Budget

Ace Budget is a zero-based personal finance app that helps you take control of every dollar before it has a chance to disappear. Built for people who want clarity, not clutter. Whether you're paying down debt, saving for a first house, raising kids on a single income, or just tired of wondering where the money went, Ace Budget gives you a calm, honest picture of where you stand — every time you open it. PLAN EVERY PAYCHECK, NOT JUST THE BILLS Assign every dollar a purpose the moment it lands. Build categories that match your real life — groceries, gas, that vacation fund, the new water heater you know is coming. Your "Ready to Assign" number updates live as you budget. CONNECT YOUR BANK IN SECONDS Securely link checking, savings, credit cards, and loan accounts through Plaid — the same bank-connection layer used by Venmo, Robinhood, and thousands of other apps. Transactions auto-import. Balances stay in sync. Your bank credentials never touch our servers. SMART AUTOMATION THAT RESPECTS YOUR DECISIONS • Income rules split each paycheck across your funding priorities the moment it arrives — by percentage, fixed amount, or "to a target." • Auto-categorize rules learn your habits: coffee shops in "Coffee," groceries in "Groceries," with zero clicks. • Split transactions when one purchase covers multiple categories (Costco runs, anyone?). • Recurring funding — weekly, biweekly, monthly, quarterly, semiannual, yearly, or custom — so sinking funds fill themselves. SEE WHERE YOUR MONEY ACTUALLY WENT • Reflect — clean monthly Income vs Spend lines, with category filters and internal transfers automatically excluded. • Net Worth — assets and debts side by side, with trend lines you can follow over time. • Age of Money — how old is the dollar you're spending today? The slower it ages, the more breathing room you have. • Targets — set funding goals with custom due dates and cadences; the app does the math. • Optional per-category carryover for months you overspend — track paying it back instead of pretending it didn't happen. SHARE WITHOUT COMPROMISING PRIVACY Invite a partner, roommate, or family member to a shared workspace with one tap. Owner, Editor, or Viewer roles. Optional Parent/Child mode for budgeting alongside a teen learning the ropes. Per-account sharing means joint accounts show up everywhere they should and private ones stay private. BANK-GRADE SECURITY, WITH AN EXTRA LAYER IF YOU WANT IT • HTTPS everywhere. Locked-down Content Security Policy. Firestore rules that enforce per-user access on every read and write. • Opt-in end-to-end encryption. Flip a switch and your data is encrypted in your browser with a key only you hold. Recovery is a standard 12-word BIP-39 phrase. We genuinely cannot read your data — not for support, not for backups, not ever. • We do not sell your data. We do not run third-party analytics. We do not train AI models on your transactions. Ever. BRING YOUR DATA IN, TAKE IT OUT WHENEVER YOU WANT • CSV import — auto-detected register format or generic column mapper for any export. • CSV export of every transaction, with filters by account, date range, and cleared status. • Reset Everything for a clean start without losing your account. • Delete your account in one email — full data removal within 30 days, no questions. DESIGNED TO FEEL GOOD TO USE Warm cream and teal palette, dark mode, custom accent colors, compact mode, and a default landing screen you pick. Works on phone, tablet, and desktop — same app, one URL, optimized layouts. SUBSCRIPTION 30-day free trial. Card required upfront — no charge until day 31. After that, $8/month or $75/year. Cancel anytime from the app. Ace Budget is built by a small independent team that uses the app every day. Your feedback shapes what ships next. Privacy policy: https://acebudget.us/privacy-policy Account deletion: https://acebudget.us/delete-account Support: [email protected]