The Free Budgeting App for Real Households
Track every dollar, manage budgets, plan debt payoff, and set savings goals — all without connecting your bank or paying a cent.
Built for families managing real expenses on a real paycheck — not stock portfolios.
Free web app — no credit card required
What You Get for Free
| Feature | MCF Web App |
|---|---|
| Price | Free |
| Bank Connection Required | |
| Unlimited Accounts | |
| Unlimited Budgets | |
| 4 Budget Styles | |
| Recurring Transactions | |
| Sankey Money Flow Chart | |
| Debt Payoff (4 Strategies) | |
| Savings Goals | |
| File Import (CSV/OFX/QFX/QBO) | |
| CSV Export | |
| PDF Reports | |
| Data Privacy (No Ads, No Data Sales) | |
| No Credit Card Required |
Common Questions
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.
Also Available On
MCF Desktop
Offline-first budgeting for macOS, Windows, and Linux. Syncs with your web account when online.
From $4.99/moMCF Mobile
Budget on the go with iOS and Android. Log transactions instantly and sync with your web account.
From $0.99/mo · 30-day free trialStart Budgeting Today
Create a free account and take control of your finances in minutes.