Three Ways to Budget with MCF
Track every dollar, manage budgets, plan debt payoff, and set savings goals — without connecting your bank. Start free on the web, add desktop or mobile when you need them.
Built for families managing real expenses on a real paycheck — not stock portfolios.
Pick Your Platform
MCF Web App
FreeNo credit card requiredThe full budgeting app in your browser. Nothing to install, works on any device.
MCF Desktop
$4.99/mo30-day free trial · $29.99/yrOffline-first for macOS, Windows, and Linux. Keeps working with no connection and syncs when you are back online.
MCF Mobile
$0.99/mo30-day free trial · iOS and AndroidLog a transaction the moment you spend. Syncs with your web account instantly.
Compare the Three
| Feature | Web | Desktop | Mobile |
|---|---|---|---|
| Price | Free | $4.99/mo | $0.99/mo |
| Works Offline | |||
| Bank Connection Required | |||
| Unlimited Accounts & Budgets | |||
| 4 Budget Styles | |||
| Recurring Transactions | |||
| Savings Goals | |||
| Debt Payoff Planning | |||
| Sankey Money Flow Chart | |||
| File Import (CSV/OFX/QFX/QBO) | |||
| CSV Export | |||
| PDF Reports | |||
| Syncs Across Devices | |||
| No Ads in App, No Data Sales |
One account covers all three. Your data syncs between them automatically.
Common Questions
Is the web app really free?
Yes. The web app is free with no ads in the app, no upsells, and no credit card required. Ads on our blog articles and the optional paid desktop and mobile apps 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 in the app, 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.
Do I need the desktop or mobile app?
No. The web app is complete on its own. Choose desktop if you need to budget without an internet connection, or mobile if you want to log spending the moment it happens. All three share one account.
Not Sure Which to Pick?
Start with the free web app. You can add desktop or mobile later without setting anything up twice.