About Middle Class Finance

Middle Class Finance is a free budgeting and debt payoff app built by Richard Davis in 2026. It helps everyday households track spending, set budgets, and build savings — without subscription fees or bank connections.

Why I Built This

I work for a Class I railroad. I am not a financial advisor or a software executive. I am someone who got tired of the way personal finance apps work.

Every budgeting app I tried either charged a monthly subscription for basic features or required connecting my bank accounts. The subscription model felt wrong for a tool that is supposed to help people save money. And the bank sync never worked reliably — transactions would go missing, duplicates would appear, and I would spend more time fixing the app than using it.

So I built my own.

Middle Class Finance is designed around manual transaction entry. You enter what you spend, what you earn, and where it goes. That friction is intentional. When you type every transaction yourself, you notice patterns that automatic imports hide. You think twice before spending because you know you will have to log it later.

What the App Does

• Track transactions across multiple accounts
• Set monthly budgets using zero-based, 50/30/20, or envelope methods
• Monitor debt payoff with snowball and avalanche strategies
• Set savings goals and track progress
• View spending reports and trends over time
• Export your data anytime — it belongs to you

Everything is free. There is no premium tier. There is no trial period that expires.

No Bank Connection — On Purpose

Most budgeting apps treat bank sync as a selling point. In practice, it creates problems. Transactions categorize incorrectly. Pending charges appear and disappear. Connections break and require re-authentication.

Manual entry eliminates all of that. Your data is exactly what you entered, and nothing syncs without your knowledge. It is simpler, more accurate, and more private.

Who This Is For

Middle Class Finance is for people who want to manage their money without paying for the privilege. It is for households that want control over their budget without handing over their bank credentials. It is for anyone who has tried other apps and found them overcomplicated, overpriced, or unreliable.

You do not need a finance degree to use this. You do not need to earn a specific income. You just need to know what comes in and what goes out — and be willing to track it.