Banktivity is the proactive money management solution that simplifies budgeting and helps you reach all your important financial goals. It’s fast, easy, and once you set it up, it’s automated! Saving you time, headaches and hassles. And now you can try it free for 30 days — no risk, obligation or credit card required.
It’s Your Time & Money
Budgeting with a spreadsheet isn’t the worst thing you can do. Afterall, they’re a blank slate that offer a lot of customization. The problem with them is time. Setting up and continuing to update a spreadsheet can take hours each week. And if you’re budgeting and tracking spending with your spouse, you’re looking at an investment of even more time.
Banktivity Is Better Budgeting And More
Your Budget Snapshot
Budget Details
Finance Summary & Many More...
Your Budget Snapshot Budget Details Finance Summaries-plus!
Banktivity is the proactive financial management app that makes budgeting easier and faster than (Excel) spreadsheets. Loaded with intuitive tools, insight, customized reports and more, it can help you reach all your financial goals. Budgeting for sure! And then there’s paying down debt, building an emergency fund, saving for a mortgage, funding an educational or retirement account, saving for an unforgettable vacation and more!
Banktivity works on Macs, iPhone and iPad. We value the unique features and use cases for each of these devices and we've optimized Banktivity appropriately. Easily keep your data in sync regardless of whether you updating your budget on one device, or editing a transaction on another.
Macs
iPad
iPhone
Envelope Budgeting - A New Twist On A Time-Tested Approach
In the "old days", like pre-internet, or even in the 2000s you might have kept physical envelopes around and a bunch of cash to do the envelope budget method. But thankfully, those days are long gone. Banktivity's envelope budgeting was meant to be used in the modern age where people have ACH transfers, recurring subscriptions and most, if not all, discretionary expenses are put on an credit card (Apple Pay anyone?)
When you set up a budget in Banktivity you'll have the option to use the envelope budgeting method. This is an incredibly powerful approach to budgeting that forces you to allocate your money to you current and upcoming expense obligations –– you'll always know, down to the dollar, exactly where you stand.
Bills vs. Non-Bills
Not all expenses are created equal. Some, like recurring bills, are often the exact same dollar amount and are due on a specific date. Other expenses happen gradually over the course of a month, like shopping for groceries. Even if you typically shop for groceries once a week on the weekend, there are inevitably a couple of side trips to the store for that one ingredient or crucial item that might have been missed during the regular trip. Got milk?
Banktivity's budgeting feature gives you this framework to track both your bills and non-bill spending. This helps keep your budget easy to understand, honest and accurate. It's much harder to miss a bill when you see the upcoming due date and you can see that you already socked away enough money to cover it.
Budget for the Hard Months
So far our examples of been pretty simple and for the common scenarios: bills, groceries, household, etc. But what about those other expenses that can sneak up on you like, an oil change for you car, or a birthday or anniversary gift. Or maybe you want to donate more than usual to your favorite cause. Banktivity's budget let's budget for each month independently. So for example, you could budget for the Gifts category for the months where there are birthdays and holidays (Christmas anyone?)
What's even better, if you use Banktivity's envelope budgeting you'll be given a "target amount" of how much you should be saving now to make sure you can afford the expenses you know are coming down the road.
Ooops, I Overspent
Spending beyond a budgeted amount in a category will happen. Don't fool yourself here, even the most disciplined budgeters will overspend, sometimes even frequently.Overspending isn't actually a problem in and of itself. The problem is when you don't have a plan to address the extra expenditure. With Banktivity's envelope budgeting, making a small course correction do to an overspent category is as easy as moving money from an envelope with a small surplus to the one that was overspent. Ultimately, you won't spend more than you intended across your entire budget, you'll just spend smarter and adjust some of the envelopes where there is some extra cushion. Don't make a mountain out of a mole hill here.
Automatic Download & Categorization
Banktivity will automatically download your transactions and categorize. This saves time and remember, time is money! When Banktivity does this, your budget will automatically reflect the spending and you can view it and make any changes as necessary. This works across credit cards, checking, savings and even investment accounts, bringing all of your spending across all of your accounts into one place.
Secure and Private
We aren't in the business of selling customer data. Our business model is based on building a stellar budgeting and finance app that will save you time and money. A survey of Banktivity customers suggested that it actually saved them on average of $500 USD a year. Now. that's a pretty good return on investment.
Budget for the Hard Months
Banktivity is powerful enough to handle some of the most complex budget scenarios. If you think you need a deep dive into how it works, we have free masterclass sessions you watch at your leisure.
