A budgeting system for the person holding everything for everyone else.

No bank connection. No purchases to categorize. No daily check-ins. Organized so you can see what's left after each paycheck instead of at the end of the month when the damage is already done.

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(no really, it's actually free)

When you are managing limited resources the problem is survival, not optimization. I built this because I needed it.

the plan

paycheck by paycheck

the paycheck visualizer on mobile — assign each bill to the paycheck that will cover it

what is due

the timeline view — what is overdue and what is coming up in the next thirty days

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Who this is for.

The person who is paycheck to paycheck, not because they're bad with money but because the math is hard and the margin is thin.
The person who has tried every budgeting app and stopped using all of them.
The newly widowed, divorced, or newly single parent suddenly managing finances someone else used to manage.
The person who has good days and bad days and needs a system that does not punish them for the bad ones.
Anyone who has ever lain awake trying to remember if they can cover the next bill.

Start budgeting →

Visual buckets

No squinting at spreadsheet rows. Group your bills the way your brain groups them. Each bucket shows what it costs and what percent of your monthly income is allocated.

Multiple budgets

Run the dream budget, the tight budget, and the real one. You don't have to live in just one.

Paycheck Planner

Stop wondering if you can make it to the next paycheck. Assign each bill to the one that covers it. See exactly what's left.

No punishment for bad months

No streaks. No reminders. No shame spiral if you go three weeks without opening it.

Free. The whole thing.

Everything $0free

Unlimited budgetsincl.
Unlimited buckets and line itemsincl.
Every feature, no tiersincl.
PDF and CSV exportincl.

The people who need this most are not the people who can spend money on budgeting software. So urna is free. If it helps you and you want to chip in, there is a Ko-fi, but it is never expected.

Start free · no card required

urna is free and offered as-is, with no warranty. it helps you organize your own bills and budget and does not provide financial advice. keep your own backups.