A personal income statement for your life.
Budgli turns your transactions into a clean monthly report — what came in, what went out, what you saved, and where your money is heading.
Start with your email and your transactions.
Net Income
$4,083
Total Expenses
$2,840
Net Saved
$1,053
Savings Rate
25.8%
Where it went
Savings Forecast
$210k
projected at 10 years
The problem
Your bank shows activity. Budgli turns it into a report.
Banking apps show transactions line by line. Budgli organizes that activity into a simple monthly income statement — so you can understand your cash flow, spending, and savings without rebuilding a spreadsheet.
Bank export
rbc_nov_2024.csv
Budgli report
May 2026
Simple by design
No complicated setup.
Just clarity.
All you need is your email and a CSV from your bank. No account linking, no financial profile, no onboarding questions.
01
Export from your bank
Download a CSV from RBC, CIBC, or any bank. No app connection, no OAuth, no special permissions.
02
Upload your transactions
Drop the file into Budgli. Transactions are tagged automatically on import — no manual entry, no setup wizard.
03
Get your monthly report
Budgli builds your income statement in seconds. Net income, fixed costs, variable spending, and savings — all separated.
Why we built Budgli
Built from a spreadsheet that actually worked.
Every month: export transactions, retag every row, run SUMIF formulas, read the numbers. The workflow gave real clarity — but it was too manual to share. Budgli does the same thing, automatically.
Credit Cards
All transactions
Debit Cards
Bank data
Bank CSV
Any format
Income Statement
Net in, net out
Monthly Analysis
Score + breakdown
Savings Forecast
1yr to 30yr view
Your financial data
Engine
Financial clarity
Noah Kelly
Founder, Budgli
How it works
Upload. Retag. Report.
Three steps. No spreadsheet.
Step 01
Upload
Export a CSV from your bank. RBC and CIBC parse automatically. A manual mapper handles any other format. No bank connection required.
Step 02
Retag
Transactions are categorized on import. Fix any that are wrong — fixed cost, variable, savings, or skip. Most months need only a handful of corrections.
Step 03
Report
$3,521
Money spent this month
$2,382
Money saved this month
Your data becomes a monthly income statement in seconds. Savings rate, performance score, and spending breakdown — all built automatically.
What Budgli tracks
Everything you need to understand your money.
Four views. Each one answers a different question about your financial life.
Core view
Personal Income Statement
Every month gets a full P&L — net income, fixed costs, variable spending, and savings — broken down exactly like a business tracks it.
Spending
Spending Clarity
Fixed vs. variable costs separated automatically. See where money goes by category — not just a raw list of transactions.
Planning
Savings Forecast
Based on your real savings rate and current balance, Budgli projects where you will be in 1, 3, 5, 10, or 30 years.
Progress
Monthly Performance
A performance score based on your savings rate and spending ratio — one number that tells you whether your month was good or not.
Philosophy
Specific, not obsessive.
Budgli doesn't ask you to categorize every coffee. It shows the numbers that actually explain your month — net income, savings rate, and what you kept — in a form you can read in sixty seconds.
Automatic tagging
Transactions are categorized on import. Fix the outliers, not every row.
Meaningful categories
Income, Fixed, Variable, Savings. The four buckets that explain any month.
One score per month
A performance number based on your real data — not a grade, not a judgment.
May 2026
Monthly Report
Privacy
Your data stays yours.
No bank connection. No raw file storage. Delete everything in one click.
No bank connection required during beta
Upload a CSV instead of connecting directly to your bank.
Raw CSV files are not stored
CSV files are processed for import and are not stored as raw files.
Delete your account at any time
Delete your account and all associated data from Settings — no email required.
Secure email/password authentication
Email confirmation and password reset flows built in from the start.
Account controls — in the real app
Email address
noah@example.com
Password
Last changed 3 months ago
Delete account
Permanently removes your account and all data
What happens to your CSV file
CSV uploaded
rbc_nov_2024.csv · 143 rows
Transactions imported
143 rows parsed and stored
Raw CSV file deleted
Not stored after import
Turn your transactions
into clarity.
See your personal income statement, monthly performance, and savings direction — all in one clean place.
Start with demo mode or upload your own transactions. Paid plans may be introduced later.
Pricing
Free during beta.
Try Budgli while we refine the product with early users.
Beta Access
- CSV transaction import
- Monthly dashboard
- Personal income statement view
- Savings tracking
- Year-over-year review
- Manual CSV mapper
- Privacy controls
Paid plans may be introduced later as Budgli improves.
FAQ
Common questions.
Answers to questions worth having before you sign up.