Pensum Budget

Pensum is a zero-based budgeting web app: you give every dollar a job, track what you spend, and gain insight into and control over your finances.

• Assign the money you have to categories, then track your spending month by month.
• Bring in transactions by adding them manually, importing the files your bank already offers (QFX, OFX, QIF or CSV), or connect your bank for automatic daily sync. Imported transactions wait for a quick review, with suggested categories that learn from your choices.
• Reconciling checks your accounts against statements or balances and helps you find when a difference started and the transactions most likely behind it.
• Reports answer practical questions: where your income went, whether you’re living within your means, whether your plan is realistic, how your sinking funds and goals are doing, etc.
• Share a budget with a partner or family member as an owner, editor or viewer, each with their own sign-in.
• Pensum works in any browser and installs as an app on phones and computers
• Step-by-step how-tos throughout and a demo you can try without signing up.
• Your finances are your business. No ads, your data isn’t sold, and each budget is kept isolated at the database level.