TidyCents.
TidyCents

Budgeting that finally makes sense.

Quiet, private money tools for real households. No bank logins. No monthly fee. Nobody selling your spending back to you. Start by finding out where your money is actually going.

Takes 2 minutes · Free · Yours to keep

Already know what you need? See the tools →

The tools

Small tools. One price. Yours forever.

Not a platform. Not a subscription. Each one is a single file that opens in your browser, works offline, and keeps your money where it belongs — on your device. And if you'd rather be walked through it than fill something in, there's a fourth tool below.

TidyBudget shown on a laptop, tablet and phone, displaying a monthly budget dashboard with income, expenses and money left to spend.
TidyBudget
Your Budgeting Partner

The whole picture in one place — monthly budget, bill calendar, debt payoff and savings. Recurring items appear on their own. The dashboard keeps itself current.

See TidyBudget →
TidyExpenses shown on a laptop, displaying an expense dashboard with unpaid expenses, paid this year, spending by category and monthly spend.
TidyExpenses
Your Simple Expense Tracker

What's due, what's paid, and what you still owe — answered in about five seconds. Partial payments, overdue flags, and a year you can actually read.

See TidyExpenses →
TidyEnvelopes shown on a laptop, displaying envelope balances, savings goals, recent activity and spending by envelope.
TidyEnvelopes
Your Cash Envelope Companion

Give every paycheck a job before it disappears. Envelope budgeting, income allocation and savings goals — the old cash system, without the cash.

See TidyEnvelopes →

All three: one-time payment · works 100% offline · no account, ever · your data never leaves your device.

Budget Plan Agent shown on a laptop, with starter prompts for building a monthly budget, finding money leaks, budgeting on irregular income, and a 30-day reset plan.
The fourth tool

Budget Plan Agent

Your Guided Budget Builder

The other three hand you a file. This one hands you a plan. Stop staring at a blank spreadsheet — answer some questions instead, and walk away with a budget built around your actual numbers.

  • One guided conversation — no template, no setup.
  • Your budget, your leaks, and a simple 30-day action plan.
  • Runs in ChatGPT (a free account is enough) or as a Claude Skill.
See Budget Plan Agent →
$17 · one-time · yours to reuse every month
Free

Start with nothing at stake.

Four free tools. Each one solves something small and specific — no trial, no credit card, no "upgrade to see your results."

Mini-app

Money Reset

A clean slate when the budget has quietly fallen apart. Start again in one sitting.

Open Money Reset →
Printable

Monthly Budget Planner

Print it, fill it in by hand. For the months when a screen is the last thing you need.

Get the printables →
Worksheet

The 15-Minute Tune-Up

Fifteen minutes, once a month. Enough to keep small money problems from becoming big ones.

Get the worksheet →
The TidyCents letter

One small money decision a week.

Budgets rarely collapse in one dramatic moment. They erode through decision debt — the dozens of small money decisions you never quite got around to making. The unopened bill. The subscription you meant to cancel. The "we'll figure it out next month."

Every unmade decision costs a little more than you noticed. The letter clears the backlog, one decision at a time.

What you get
  • A short welcome series that walks you through the handful of decisions holding a budget together.
  • Then one email a week — a single small decision, made simple enough to actually make.
  • No hype, no urgency, no "financial freedom in 30 days."

Free. One email a week. Unsubscribe in one click. We never sell or share your address.

Also from
TidyCents

Money Leak Finder

The longer, more thorough cousin of the free Money Leak Score. It walks category by category through where your money actually goes, compares each one against a realistic benchmark for a household your size, and ranks the leaks by how far out of line they really are — not just which number is biggest. We mostly share it with subscribers — but it's here if you want a look.

See what it does →

What money apps won't give you.

It's yours

One file. One price. Forever. No subscription, ever.

It's private

Everything stays on your device. Nothing uploaded, tracked, or sold.

It's offline

No internet, no account, no bank login. It even works on a plane.

It's calm

No streaks, no badges, no notifications guilt-tripping you at 9pm.

Two minutes. One honest number.

You don't need a new financial philosophy. You need to know where the money's going — and what to decide about it first.

Free · Runs in your browser · Nothing to install