Financial Planning
The budget app that warns you before you overspend.
Zero-dollar budgeting, AI spending alerts, bank sync via Plaid, cash flow forecasting, debt payoff planning, and family sharing — all in one app. Try free for 14 days.
Now on iPhone & Android · 14-day free trial
BudgetPilot — Smart Finance
The AI-powered finance app that warns you before you overspend — with predictive alerts, a live spending pace graph, bill countdowns, and cash flow forecasting.
What makes it different
Three things most budget apps don't do.
Warns you before you overspend
Predictive spending alerts fire on the direction your budget is heading, not after you've already blown past it. "You've used 80% of Dining with 12 days left." That kind of thing.
AI Financial Coach
Ask anything — "Can I afford this?", "Where am I wasting money?", "Save $5,000 by December." Powered by Claude with access to your real budget data.
Spending Pace Graph
Real-time chart comparing actual spending to your ideal pace. Free-to-spend number front and center, so you always know where you stand today.
Everything inside
A complete personal-finance toolkit in one app.
Budgeting, bank sync, forecasting, debt planning, and a built-in AI coach — designed to work together, not as separate tools.
Zero-Dollar Budgeting
Assign every dollar a purpose across expenses, savings, and investments. Switch between Planned, Spent, and Remaining views.
Connect Your Bank
Link accounts via Plaid. Imports and categorizes transactions using 10,000+ merchant rules plus AI. Checking, savings, credit, loans, investments.
Receipt Scanner + Quick Add
Snap a receipt — AI reads merchant, items, and total automatically. Or type naturally: "Spent $45 at Costco" and it's done.
Bill Countdown
Never miss a payment. See bills due this week, track paid vs upcoming, get reminders.
Cash Flow Forecasting
Project your balance 30, 60, or 90 days ahead. Spot shortfalls before they happen.
Transaction Splitting
Split a $150 Costco trip into Groceries and Household with one tap.
Net Worth Tracker
All accounts in one dashboard. One number: your total net worth, updated live.
AI Monthly Summary
Personalized report with wins, areas to watch, and an actionable tip. Email it with one tap.
Smart Categorization
10,000+ merchants recognized automatically. AI learns your corrections and applies them going forward.
Subscription Tracker
Detect recurring charges, see total monthly cost, and flag unused subscriptions.
Debt Payoff Planner
Compare snowball vs avalanche side by side. See your debt-free date and interest savings.
Financial Calculators
Compound interest, loan, mortgage, paycheck estimator (2026 IRS brackets, all 50 states), retirement, emergency fund.
Shared Family Budgets
Invite your partner with a 6-digit code. Share one budget and stay on the same financial page.
Money Radar
Flags unusual charges, duplicate transactions, and subscription price increases.
Savings Challenges
No-Spend Weekend, Coffee Detox, 52-Week Savings, and more. Track and mark complete.
Export + Tax Prep
Monthly or annual reports. Export as CSV for spreadsheets or tax prep.
Dark Mode + Biometrics
Full dark theme. Face ID, Touch ID, fingerprint unlock. Sign in with Apple and Google supported.
Bank-grade security
Plaid read-only account access. End-to-end encryption. Data never sold.
Pricing
Simple and up front.
BudgetPilot Premium · auto-renewing · cancel anytime
Premium unlocks:
- — AI Financial Coach with unlimited chat
- — Unlimited bank account connections via Plaid
- — Automatic transaction import and smart categorization
- — Receipt scanner with AI extraction
- — Predictive overspend alerts and bill countdowns
- — 30 / 60 / 90-day cash flow forecasting
- — Net worth tracking across all accounts
- — Shared budgets for couples
- — AI monthly summary reports
- — Subscription tracker, debt payoff planner, and financial calculators
- — CSV export for tax prep
- — Face ID / Touch ID security
Payment is charged to your Apple ID or Google Play account at confirmation of purchase. Subscription renews at $8.99/month unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel in your Apple ID Account Settings or Google Play subscriptions. Any unused portion of the 14-day free trial is forfeited when the subscription is purchased.
FAQ
Straight answers.
Is there a free trial?
Yes — 14 days free. After the trial, BudgetPilot Premium is $8.99/month. You can cancel anytime from your Apple ID or Google Play subscription settings and keep using the app through the end of the billing period.
Which banks does BudgetPilot support?
Any institution Plaid supports — which is 12,000+ banks, credit unions, and brokerages in the U.S. Link accounts in under a minute. BudgetPilot never sees your login credentials; Plaid handles authentication securely.
What does "AI Financial Coach" actually do?
It reads your real budget and transactions (with your permission) and answers natural-language questions like "Can I afford this trip?" or "What categories am I overspending in?" Built on Claude — the same AI family used in serious enterprise tools.
Can I use BudgetPilot with a partner?
Yes. Shared Family Budgets let you invite your partner with a 6-digit code so both of you see and act on the same budget, accounts, and goals. No shared passwords required.
Is my data secure?
Yes. Account linking is read-only via Plaid — the same infrastructure Mint, Venmo, and Robinhood use. Data is encrypted end-to-end, protected by Face ID / Touch ID, and never sold to third parties.
Is BudgetPilot on Android?
Yes — BudgetPilot is now live on Google Play. Same features, same $8.99/month, same 14-day free trial as the iPhone version. Bank linking, AI coach, predictive alerts, and shared budgets all work cross-platform.
How is this related to Military Toolkit?
Same team. BudgetPilot is a general-purpose personal finance app that works for anyone, but the team behind it also built Military Toolkit — a free calculator suite for service members. Military families tend to have lumpy pay, which is part of why we care about forecasting and predictive alerts.
Ready
Download BudgetPilot and take command of your finances.
14 days free. $8.99/month after. Cancel anytime.