Simple
Set limits per category
The classic approach. Set a spending limit for each category and track your progress throughout the month.
Free Web App — No Credit Card Required
Take Control of Your
Middle Class Finances
Middle Class Finance is a free personal finance app that helps everyday households track spending, manage budgets, pay off debt, and build savings — without subscriptions or bank connections.
No credit card required · Free web app · Set up in under 5 minutes
or explore the demo first1Create free account
2Add budgets & transactions
3See where your money goes
Built for families managing real expenses on a real paycheck — not stock portfolios.
Your Budget, Your Way
Find the Budget Method That Actually Sticks
Not everyone budgets the same way. Choose the style that fits your financial mindset — and switch anytime.
50/30/20
Needs, wants, savings
Split your income into three buckets: 50% for needs, 30% for wants, and 20% for savings. A time-tested framework.
Zero-Based
Every dollar has a job
Assign every dollar of your income to a specific category until you reach zero. The most intentional way to budget.
Envelope
Allocate into envelopes
A digital version of the classic envelope system. Allocate money into virtual envelopes and spend from each one.
Everything You Need
See Where Every Dollar Goes
From tracking daily coffee purchases to planning retirement savings — Middle Class Finance has every tool you need to win with money.
6 tools. 1 dashboard. $0 per month.
Smart Budget Tracking
Choose from 4 budgeting styles — Simple, 50/30/20, Zero-Based, or Envelope — and track spending in real-time.
Import Transactions
Import transactions from your bank — supports CSV, OFX, QFX, and QBO files. Multi-account files are automatically detected and mapped.
Savings Goals
Set and visualize savings goals — whether it's a vacation, emergency fund, or down payment on a home.
Debt Payoff Planner
Choose Avalanche (highest interest first) or Snowball (smallest balance first) and get a month-by-month payoff plan showing your debt-free date.
Recurring Transactions
Never miss a subscription or bill. Automatically track recurring income and expenses with ease.
Spending Insights
Visualize your spending patterns with intuitive charts and category breakdowns across any time period.
Good Questions
You Might Be Wondering
Is it really free?
Yes. The web app is free with no ads, no upsells, and no credit card required. We offer optional paid mobile apps to keep the lights on.
Why manually enter transactions?
Manual entry keeps you aware of every dollar. Users who track manually stick with their budgets longer than those who rely on automatic syncing.
What happens to my data?
Your data stays on our servers, encrypted at rest. We do not sell data, serve ads, or connect to your bank. Delete your account anytime and everything is erased.
Can I switch from another app?
Yes. Export your transactions as CSV from your current app, then import them into MCF in under 5 minutes. We support CSV, OFX, QFX, and QBO formats.
Common Questions
Frequently Asked Questions
Yes — the web app is 100% free. No credit card required, no hidden fees, no ads. Every feature is available to every user. We offer optional paid mobile apps to support development.
No. We never ask for bank credentials or financial login information. You can import transactions from bank-exported files (CSV, OFX, QFX, QBO) or enter them manually.
Absolutely. We use no tracking cookies and never share or sell your financial data to third parties. We use Google Analytics on public pages to understand site traffic, but it has no access to your financial data. Your financial data stays between you and your account.
Transactions, monthly budgets by category, savings goals, debts with payoff planning, recurring transactions, multiple accounts, and custom categories and payees.
Yes. Every data page has a CSV export button, and you can generate PDF monthly reports from the dashboard.
Middle Class Finance is built for everyday households who want a simple, focused budgeting tool. You get 4 budget styles, debt payoff planning, savings goals, and transaction imports — all free. Your data stays private because there are no bank connections, and there is no subscription fee or pressure to upgrade.
From the Blog
Tips & Guides for Everyday Earners
Practical personal finance advice you can actually use — no jargon, no gatekeeping.
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Read moreYour Financial Turnaround Starts Today
Join thousands of middle-class families who are spending smarter, saving more, and finally feeling confident about money.
The average household wastes $500/month on untracked spending. Bureau of Labor Statistics
No credit card · No commitments · Delete your account anytime