ReadyCents

ReadyCents is a manual-first budgeting tool designed to help users achieve zero-based budgeting by assigning every dollar a job, giving them complete control over their financial planning. The platform addresses the challenge of tracking and managing household expenses by offering manual transaction entry and imports from YNAB, CSV files, and bank files, ensuring that users see only the transactions they have actively processed. It also provides calendar views, goal tracking, and basic reports to help visualize cash flow and maintain financial clarity.

To support diverse needs for data privacy and automation, ReadyCents offers flexible connection options, including managed Plaid slots, bring-your-own providers such as SimpleFIN or Lunch Flow, and a self-hosted solution for running the software on a personal server. This allows users to manage their own connection costs and data hosting while enabling household collaboration and gift subscriptions for shared budgeting. The core manual budgeting features are free forever, with optional paid plans available for advanced insights, tax toolkits, and managed bank connections.