Budget GPA: Student Budget

Budget GPA turns your month into a letter grade, A+ through F, on a 4.0 GPA scale. Most budget apps chart money you already spent. This one tells you whether the month was good, and names what to change. HOW THE GRADE WORKS Five weighted categories combine into one GPA: - Budget Adherence (35%): how closely spending matched your plan - Financial Safety (25%): emergency fund, debt load and month-end cash - Spending Stability (15%): how steady you are month to month - Needs vs. Wants (15%): whether your split fits your goals - Forecast Accuracy (10%): how realistic your budgets were Every grade shows its work, so you see which category cost you and why. MADE FOR STUDENTS AND EARLY CAREER A part-time paycheck, a first salary and a student loan all fit. Enter income by pay frequency, W-2 or 1099, and it becomes a clean monthly figure. Sign up with a .edu address and a discounted lifetime option appears. Setup takes two minutes with 21 ready-made categories and the 50/30/20 framework. FREE, AND ACTUALLY USABLE Not a trial. No bank connection required, no ads, no data sold. - Full scoring, letter grade and GPA - Budgets with progress bars - Savings goals with a target date and monthly pace - Debt tracking and your debt-to-income ratio - Multiple income sources - This Month's Fixes: the actions that would raise your grade - Alerts for budget breaches, grade drops and large purchases - Three-month trends and score history - Sticky Notes style, light and dark PRO ADDS THE AUTOMATION $3.99/month, $39.99/year, or $99.99 once. - Bank sync through Plaid, 12,000+ institutions - Subscription tracking with automatic detection - AI transaction categorization - Scoring presets for each category - One-time expense tagging, so a car repair doesn't wreck your score - Debt payoff tools: debt-free dates, avalanche and snowball - PDF and CSV export - Six-month, year-to-date and per-category trends - 14 more smart alerts, from projected overspend to duplicate charges - Nine more styles, from Receipt to Glass Aurora - Email digest YOUR DATA STAYS YOURS We don't sell your data, show ads or share it for marketing. Bank connections run through Plaid, so we never see your bank credentials. AI categorization sends only a transaction's description, merchant, amount and date to Anthropic, never your name or account numbers, and never for training. Delete your account and all its data from inside the app. LIMITED LIFETIME MEMBERSHIPS 500 lifetime memberships are released each year; monthly and annual plans always unlock everything. Launch pricing adds two $74.99 lifetime tiers: Founder for early adopters, and EDU Lifetime for .edu students. United States only for now. 18+.