1
Download your CSV
Export a CSV from your bank or credit union. Most institutions offer a transaction download.
Budget Without Connecting Your Bank
Import a CSV to see where your money goes without bank credentials or a live bank connection. Sensitive transaction fields are encrypted at rest.
You choose what to upload and when. No bank login. No automatic syncing.
Up and Running in 3 Steps
Start fast without sharing banking credentials or syncing accounts.
2
Upload to Liberty Budget
Drag and drop your file. Transactions are parsed and auto-categorized instantly.
3
See your money flow
Your dashboard and reports populate from the import. Review categories as needed.
Built for Privacy and Control
Use your statements, not your bank login credentials.
No Bank Connections
We never ask for your bank login. No OAuth tokens, Plaid connection, or bank API link is needed.
CSV Import
Download your statement from your bank's website and upload it here. The file is processed and encrypted immediately. We don't store the raw CSV.
Sankey Graph
Visualize every dollar from income to spending and savings.
Visual Reports
See trends by month and category with clear summaries.
Savings Goals
Track multiple funds and monitor progress month over month.
Ad-Free Experience
Focus on your budget without distraction or upsell clutter.
How Transaction Data Is Stored
Sensitive fields are processed by the application and encrypted before they are written to the database. This simplified example shows the difference between the app view and storage at rest.
In Your App
Walmart Grocery
-$84.32
Tailoring Tux and Cleaners
-$191.00
Netflix
-$15.99
Shown after authorized server-side decryption for your signed-in request.
Stored At Rest
gAAAAABqL9vXf3mK0QpZr8YtW4nHb1JdCe6Ls2VuPa7Rx5NyKt0DwMjUqIe9BcFrTz3HvAuXnQ6LpSyVw2KdGhTr9YpLmNcJxQe8RaWuCf1ZoTy7QiNkMsHdBjVx4PuLe0YfDaQzHtKr, gAAAAABqL9vXh5PnYc2LmWrT0sJdQe8VnKb4FpRuXa1MtZi6Hy3CvNgQwLe7BsPdUr9KxFtYv2NcHmQp8TrWdJf0LsZe6VuByKj4XpRnCc7YwTa5MhQnLdE=
gAAAAABqL9vXr2FdNe7KwTp4YsVh0LmQxCz8RuJdPa5WtGn3HyKbMf2VuLe9QpRjXc6TsDwNh4ByKf0VuZd7LmPxQc8HrTa2Ws==, gAAAAABqL9vXn7CtYw5RmKp8ZdVuLe4NxHb2QfJtPa0CsWr9HyLmTf6NpQxDkVu3Zr8MhCe5LsWt0ByQpRu7JnKdXf4TvGa1Yw==
gAAAAABqL9vXt6NyQp4WrZd1LsVuKh8MfTr0Ce7ByPa5JnXc2DwRu9HtYv3QmLe6KbFp0NsWdTz8HrVa4YqLpCc7Xf2MnJuRe5KtBvQd1LsZe4HyWpTr8NcMf0GaJxR, gAAAAABqL9vXy4LeQp9TrVu0WsZcKh7NyDf2BmRa5LpXt8JwQc6HvFn3ZdYe0MsKuTp4VrXnCc7ByLf9QhWd2JmGt8ReVaPw1==
Illustrative ciphertext. Sensitive transaction fields are encrypted in the database.
Encryption at rest, described plainly.
CSV data reaches the Liberty Budget server over HTTPS, is processed in application memory, and sensitive fields are encrypted before database storage. The service manages wrapped encryption keys so authorized requests and password recovery can continue to work. Dates, categories, and other operational metadata may be stored separately to power the app.
See It In Action
Real screenshots from Liberty Budget.
Trace income, expenses, and savings in one dashboard view.
Review your monthly categories and spot overspending quickly.
Track your goals with cumulative fund progress over time.
Try Liberty Budget free for 30 days
Then choose monthly or yearly billing. Your signup price stays in effect while your subscription remains continuously active.
Gold
$6.25/mo
$8.99/mo
Billed $74.99 yearly (save 30%) Billed $8.99 monthly
- Unlimited imports
- Unlimited history
- Advanced reports
- 30-day free trial, full features, no credit card required
- Your signup price stays in effect while your subscription remains continuously active
No freemium tier. Cancel anytime, no questions asked.
Questions People Ask
Built to stay simple, private, and flexible. Read the full privacy FAQ for details.
Why CSV instead of bank connections?
Bank-connected apps can maintain an ongoing link through a bank or data provider. With Liberty Budget, you upload a file without creating a bank connection, and you decide when to import again.
Is my data secure?
Your transactions are encrypted at rest with per-account keys. We never store your password in readable form, and keys are stored as wrapped tokens rather than plaintext.
Can I cancel anytime?
Yes. No contracts, no questions asked.
Track Your Budget Without Sharing Bank Credentials
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