Three views, not one long list
Money In shows where your money lives and comes from — your accounts and income sources, grouped into what you own and what you owe. Money Limits is where you set an envelope and a limit for each spending category. Money Out is what actually happened, matched back against those limits. Keeping the three separate is what keeps a family budget readable instead of overwhelming.
Money In, Money Limits, Money Out
Three clear views instead of one long list: where your money comes from, what you have allowed each category, and what actually went out — each with its own summary at a glance.
Read a statement instead of typing it
Upload a bank or card statement, or photograph a receipt, and let it pull out the transactions. You review and confirm every one before it touches your budget — nothing saves itself.
A budget suggested from your own numbers
Household size, region, and your real spending history — once you have some — feed an AI-suggested starting budget, or pick a quick template and adjust from there. Every limit stays editable.
Envelopes that roll over, or don’t
Choose per category whether an unused balance carries into next month or resets to zero — steady categories reset, lumpy ones like car maintenance roll.
Accounts in more than one currency
Add an account in a different currency and see it converted for display against a published rate, while the original amount and currency stay on the record.
Shared the way your household actually works
Money In, Money Limits, and Money Out can each be shared separately, so a co-parent sees exactly the layer you intend — not an all-or-nothing view of your finances.
Start from a real statement, not a blank page
The slowest part of any new budget is usually the first hour, spent guessing at categories with no real numbers behind them. Upload a recent statement, or photograph a receipt, and the transactions are read out and sorted for you — every one landing in a review step where you can correct the category, the classification, or flag a duplicate before it ever touches your budget.
Envelopes built for how families actually spend
Some categories are steady month to month; others are lumpy. OptiAI lets each envelope decide for itself whether its unused balance carries into next month or resets to zero, so a quiet month on car maintenance is not lost, and everyday categories like groceries stay disciplined.
Shared on your terms
Money is one of the more sensitive topics between the adults in a household. Money In, Money Limits, and Money Out can each be shared separately under Settings, so a co-parent can see exactly the layer you mean them to — not an all-or-nothing view of everything you earn and spend.