Your money. Your privacy. Your plan. Your future.
Dollarz is a private personal budgeting app that helps you decide where your income goes before you spend it.
Or use the free plan. No card needed.
Plan each month
Give your income a job, from bills and debt to savings, until nothing is left to assign.
Track expenses
Record spending as it happens and see what's left in each category.
Close the month
Check your balances and carry what's left into next month.
A budget doesn't limit your spending.
Your income does.
Most people picture a budget as a cage: fewer treats, more rules. But your income set the limit long before any budget did. A budget decides where that income goes, before the month begins, so you can spend what's yours with confidence.Most people picture a budget as a cage. But your income sets the limit, and a budget decides where it goes, so you can spend with confidence.
Your income sets the limit
A budget doesn't change how much you have. It shows you clearly how much there is to work with each month.A budget shows you how much there is to work with.
Your budget sets the plan
All of your income gets a job before you spend it: bills, debt payments, savings, and the things you enjoy.All of your income gets a job before you spend it.
Fun is part of the plan
Dinners out, trips and hobbies get their own budget line. With the bills covered, spending it is a choice you already made, with no guilt.Fun gets its own budget line, so spending it comes with no guilt.
With Dollarz, your data isn't the product.
Some apps make money from what they know about you. Our only income is Dollarz Plus subscriptions, so on the free plan or Dollarz Plus, your privacy isn't for sale.
- We can't see your budget
- No ads or tracking
- We don't sell your information
The budget app with total privacy
Everything you enter is encrypted in your browser before it's saved, with a key only your passphrase can unlock. What reaches our servers is scrambled.
- End-to-end encrypted. Sealed on your device before it's saved.
- Your passphrase stays with you. We can't see it or reset it.
- A recovery key, just in case. The only other way in.
- Locks when you step away. Opens again with Face ID, Touch ID or a fingerprint.
- No bank connection. Dollarz doesn't link to your bank at all.
- No AI reads your budget. It isn't sent to an AI or used to train one.
Who can read your budget?
| Who | Typical budgeting app |  |
|---|---|---|
| You | Yes | Yes |
| The company and its staff | Yes | No |
| The company's cloud host | Yes | No |
| Someone who breaks into its servers | Yes | No |
| A legal demand sent to the company gets | Your budget | Scrambled data |
Dollarz does keep your email address and the emails of people you share with, so sign-in and sharing work. See exactly what we can see.
Everything a monthly budget needs, nothing it doesn't
No ads, no bank scraping, no upsells to credit cards. Just a clear plan for your money and the tools to stick to it.
A zero-based monthly plan
Assign income to bills, debts, escrows and savings until "Left to assign" reads $0.00, then see the Zero-Based Budget check. Tap the balance bar to see the whole month at a glance.Give all of your income a job until "Left to assign" reads $0.00.
Escrow envelopes for irregular expenses
Escrow envelopes (also called sinking funds) set aside a little each month for insurance, gifts or car repairs, so the big bills are already paid for when they arrive.Set aside a little each month, so big bills are already paid for when they arrive.
Month-end close
Enter what you actually earned and spent, check your escrow and savings balances against your bank, and see exactly how much to move into each account.Check your month against your bank, then carry what's left forward.
Search your transactions
Find any transaction across your months by its description, budget line, account or amount. Press / or ⌘K, pick one, and Dollarz opens it in its month.Find any transaction by description, budget line, account or amount.
Other accounts, any currency
Add a second bank, a crypto exchange or a bank abroad, each in its own currency. Spending still lands on your usual budget lines, and each account's balance follows.A second bank, a crypto exchange or a bank abroad, each in its own currency.
Your data, on every device
Download an encrypted backup or a spreadsheet, and restore in one step. Sign in on your phone, tablet or computer; your budget syncs instantly, still encrypted. Works with any currency.Encrypted backups, spreadsheets, and your budget synced on all your devices.
Dollarz Academy Free
Fifteen short, friendly guides take you from your first zero-based budget to paying off debt, one step at a time. Every guide is free, on every plan.Fifteen short, friendly guides, free on every plan.
Plan Z
Eight steps from where you are to Zeedom: lock down your accounts, build a safety net, pay off debt and grow your wealth. Free tracks steps 1 and 2; Plus tracks all eight. How Plan Z worksEight steps from where you are to Zeedom. How Plan Z works
Learn as you go, at your own pace
New to budgeting? You're in good company. Short, friendly guides explain each part of Dollarz in plain words, and a Getting Started Checklist walks you through your first month.Short, friendly guides explain each part of Dollarz, and a checklist walks you through your first month.
- Two minutes at a timeFifteen short guides, from your first zero-based budget to paying off debt.
- Getting startedSeven small steps set up your first month, each with a Show me button.
- A countdown that cheers you onSee how many guides you've read, and how many are left.
- Right where you need itLearn, beside your budget and reports, opens the Academy from anywhere in Dollarz.
Free on every plan, because a good start matters most.
Budget together, without sharing a password
Invite your partner by email. They sign in with their own account and passphrase, and you both compare a short code to make sure the budget's key goes to the right person.Invite your partner by email. They sign in with their own account and passphrase, and the budget stays encrypted for both of you.
- Separate sign-ins. Nobody needs anyone else's email or passphrase.
- Live, for both of you. A change on one phone appears on the other right away.
- You stay in control. Remove someone at any time; they keep nothing of yours.
Your month as a calendar, or as a city
Switch the Budget page to Calendar, and each day shows what came in and what went out. Choose Skyline, and the month becomes a 3D city where each day is a tower as tall as what you spent. Your biggest days stand out at a glance.See money in and out for each day, or turn the month into a 3D city where each day is a tower as tall as what you spent.
- Each day at a glanceIncome, spending, debt payments and escrows, each in its own color. Hover over a day to look closer.
- A skyline of your spendingDrag to turn the city, and hover over a tower to see that day.
- Six months side by sideA month when you spent more than came in shows in red.
- Any accountYour main account, all your accounts together, or one account in its own currency.
Click a day to see its transactions. How the calendar works
See where your money goes, at a glance
Pick any month, quarter or year. Dollarz turns your budget into clear, simple reports, so you can spot what's changing and plan next month better.
- Spending totalsWhat you spent in each category, as a pie or bars. Show just your 5 biggest, or one section at a time.
- Where income wentHow your income was split, and what was left.
- Spending by monthHow each month compares, even one still in progress.
- Income vs. spendingWhether more came in than went out.
- Biggest spendingYour largest bills and costs, ranked.
- Savings and debtSavings growing while debt shrinks.
Plus a month-by-month table of income, spending, savings and what was left over.
Know how long your safety net lasts
Dollarz measures your emergency fund in months of real living expenses. Set a goal, see how close you are, and when you'll get there.
- Set your goalIn months of living expenses, or a dollar amount.
- Your breathing roomHow many months you're covered, at a glance, or as a 3D tank that fills a month at a time.
- Try different amountsSee how a bigger deposit moves the date.
- Your path to the goalYour balance so far, and the road ahead.
Free on every plan, because a safety net comes first.
See the day you're debt-free
Try a bigger payment on any debt and see when it's gone and the interest you'd save. Or follow the debt snowball method: pay your smallest debt first, then roll its payment on to the next, so the payment grows as you go.Try a bigger payment and see when a debt is gone and the interest you'd save, or follow the debt snowball method.
- Try any paymentType it or drag the slider, and the payoff date moves with you.
- Smallest firstDollarz puts your debts in order and shows which one is next.
- See the interestWhat each debt costs, and what paying more or snowballing saves.
- Your mortgage and what-ifsTry a loan you're thinking about, and pick a length to see the payment.
Like what you see? Use the new payment in your budget in one click.
See what steady investing can grow into
Once your emergency fund is in place, the money you save can start working for you. Set a goal, or just see where a monthly amount could take you, and how much of it growth adds.See where a monthly amount could take you, and how much of it growth adds.
- Set a goalName it and pick an amount. A check shows when your plan gets there. Behind? It shows how to get on track.
- Try the numbersSlide the years, change the monthly amount or the return. Or start from the investments you track on Net worth.
- Coins in 3DWatch your plan stack up as a column of coins toward a gold ring at your goal. Drag to turn it.
- Contributions and growthYear by year, what you add and what growth adds.
- MilestonesYour first $100,000 and the year growth takes the lead, marked right on the chart.
Estimates for planning, not investment advice.
Everything you own, minus everything you owe
Add your accounts, home, vehicles and debts. Dollarz shows your net worth, how much of what you own is truly yours, and how it changes month to month.
- Own, owe and yoursThree bars on one scale, or two 3D towers you can turn.
- Every categoryCash, investments, home, vehicles and more, each a layer in its tower.
- Live bitcoin priceEnter how much you hold; it's valued as the price moves.
- Your trendSave it each month and watch the bars grow.
Escrow, savings and debt balances come straight from your budget.
Start your budget today.
Try every Plus feature free for 14 days, or start with the free plan. Your budget stays private from day one.