The budgeting app that doesn't need your bank login.
You’re probably done budgeting by the second week of every month.
DueZen is a private budgeting app for iOS and Android that helps you track spending, allocate income, and stay within your monthly limits — all without connecting to your bank. Plan income across 39 built-in categories, see real spending vs. plan in the Fund Flow donut, and get a fresh Monthly Summary report with auto-detected wins on the 1st of every month.
A budgeting app for people who hate budgeting apps.
No Plaid. No surveillance.
Mint, YNAB, Rocket Money, Copilot — they all funnel your bank data through Plaid. DueZen is the rare budgeting app that genuinely keeps your money data on your device.
Fund Flow over auto-categorization
Auto-categorization is wrong half the time. Fund Flow asks you to allocate income up front, so the budget is your intention — not a guess made by an algorithm.
Calm budget alerts
No red banners. No "you're failing" messaging. DueZen says "still in control" when you're approaching a limit and "a good moment to pause and regroup" when you've crossed it.
Monthly Wins, not shame
17 win conditions auto-detected each month — perfect on-time rate, biggest category drop, savings milestones crossed. The top two surface as your month's highlights. Never failure notifications.
Plan where money goes before it goes.
Fund Flow is DueZen's income allocation planner. You list your monthly income sources, allocate percentages of that income to categories, and the app shows planned vs. actual every time you log a payment. The unallocated remainder is the budget leak you didn't know about.
- Declare multiple income sources (salary, freelance, rental, side income)
- Allocate percentages to any category — Housing, Utilities, Food, Savings, etc.
- Donut chart shows actual spend per category, color-matched
- Per-category planned vs. actual with over/under indicator
- Unallocated section reveals unplanned spending — the silent budget killer
39 built-in. Unlimited custom.
Out of the box, DueZen has 39 categories organized into six themes — Living & Housing, Finance & Payments, Subscriptions & Entertainment, Health & Wellness, Family & Lifestyle, and Work & Other. You can also create unlimited custom categories with your own name, your own icon, and one of eight color swatches.
- 8 categories under Living & Housing (incl. Cellular, Internet, Storage, Lawn & Garden)
- 5 categories under Finance & Payments (incl. Investments, Taxes, Savings Goals)
- 6 categories under Subscriptions & Entertainment
- 5 categories under Health & Wellness (incl. Mental Wellness)
- 7 categories under Family & Lifestyle
- Unlimited custom categories with custom icon and color
A calm, swipeable view of what you actually spent.
Monthly Summary is a pressure-free look at where your money went — and whether you're trending calmer or noisier than last month. Pill buttons toggle Week, Month, Quarter, or Year; fling left or right to advance or rewind the period. Three stat cards summarize the range, and the payment progress bar makes completion visual instead of arithmetic.
- Week, Month, Quarter, or Year at a swipe
- Total spend, item count, and a clear vs. last month comparison (±%)
- Three stat cards: This Month Paid, Paid X/Y, Avg Payment
- Payment progress bar with paid / unpaid legend so completion is visual
- Long-press to batch mark paid — a celebratory overlay confirms the win without making a scene
- A deeper retrospective unlocks after 14 days of use — earned, not pushed
- Rotating zen quotes in the paid list and pull-to-refresh whenever you want a fresh look
Auto-detected progress, every month.
Most finance apps tell you what you did wrong. DueZen tells you what you did right. The Monthly Wins engine evaluates 17 conditions every month — a perfect on-time rate, a category that dropped 20%, a savings milestone crossed, three consecutive months under budget — and surfaces the top two as the month's highlights.
- 17 win conditions evaluated in priority order
- Group deduplication: timeliness wins compete so only the strongest one shows
- Detected automatically — no input required from you
- Examples: zero late payments two months running, subscription spend dropped, biggest category dropped 20%+, three or more bills paid early
- No corresponding "failure" notifications — wins only
Know where your money is going before the month ends.
Flow Tracker shows per-category spending bars in real time — green when you're on track, amber when you're close to the limit, red when you're over. Over-budget categories float to the top automatically, so you never scroll to find what needs attention. The Spending Pace card projects where you'll land if today's rate holds.
- Monthly income at the top, with an allocation bar showing how much of it has a home in your budget
- Per-category spending bars color-coded green (on track), amber (close), red (over)
- Over-budget categories float to the top — no scrolling to find problem areas
- Spending Pace card projects where you'll land if today's rate holds, with remaining-days countdown
- Live updates as bills are added or marked paid — the bars move with you, no refresh required
- Empty-state preview donut + one-tap path into Flow Planner to set income and limits
- Compact formatting ($12k instead of $12,000) so big numbers stay easy on the eye
Per-category, never blanket.
You set spending limits per category — Groceries $400, Dining Out $150, Entertainment $80. DueZen alerts you when each category approaches or crosses its threshold. The default thresholds are 40% above normal for spike detection and 40% above 3-month average for anomalies, both configurable.
- Per-category spending limits with custom thresholds
- Approaching alert: "X% of your $X budget used. Still in control."
- Over alert: "You've passed your $X limit. A good moment to pause and regroup."
- Quiet Hours window suppresses alerts during configured times
- Uncategorized nudge prompts you to categorize untagged spending
Every payment, searchable. Every byte, exportable.
The History screen is the full payment ledger — every payment ever recorded, grouped by month with totals, with a chart filterable by week, month, quarter, or year. Search by merchant or by amount ($50 finds payments within $1 of $50). Export every reminder, payment, savings goal, and journey entry to CSV at any time.
- Spending Chart with Week / Month / Quarter / Year filters
- Grouped ledger newest-first with monthly totals
- Text search by bill title or category
- Amount search: enter "$50" to find payments within $1 of $50
- CSV export: bills, payments, savings goals, deposits, journey log
- Shareable Summary Card image with month total, on-time rate, top 3 categories
Your month, on the first of the next.
Every 1st, the Monthly Summary unlocks: spending by category, on-time payment rate, 3-month trend, biggest movers, and your top Monthly Win. Twelve analytics segments, calculated locally on your device.
DueZen vs. mainstream budgeting apps.
Most budgeting apps are bank-data aggregators wearing finance app costumes. DueZen is the calm, manual alternative built for people who'd rather spend three minutes typing than share their entire transaction history with a third party.
| Feature | Typical budget app | DueZen |
|---|---|---|
| Bank login required | Yes — Plaid integration | Never |
| Categories | 15–25 fixed | 39 built-in + unlimited custom |
| Custom category creation | Limited or paid feature | Unlimited, with custom icon and color |
| Year-end / monthly recap | Static PDF | Monthly Summary report with 12 analytics segments |
| Spending trend visualization | Single chart | 3-month trend + Spending Pace + filterable history chart |
| Budget alert tone | Red urgency banners | Calm language: "still in control" / "pause and regroup" |
| Income vs. spend comparison | Bank-derived | Fund Flow donut + unallocated remainder |
| Subscription pricing | $8–$15 / mo · ~$99 / yr | Free to download |
Budgeting app questions, answered.
DueZen is a budgeting app designed specifically for people who don't want to share bank credentials. You enter income and bills manually, allocate income to categories, and the app tracks how your real spending compares to your plan — all stored locally on your device with zero cloud sync.
The rest of what DueZen does.
Budgeting without the bank login.
Three minutes of setup. Zero data shared. A calmer relationship with your money.
