Bao Budget helps you see where you stand with your money and whether you are moving toward what you want, without turning it into homework.

Bao, your panda companion, is glad to see you whenever you check in. The numbers are exact to the cent. The tone stays calm and encouraging.

SEE WHERE YOU STAND
- A net worth picture that updates as your accounts do, with its history over time
- All your accounts in one place: cash, cards, loans and investments
- Add accounts by hand, or choose to connect a bank so balances and transactions arrive on their own

PLAN THE MONTH
- Your income, bills and spending in one cashflow view
- See what is expected, what has already happened, and what is still to come
- Bills are tracked so a due date never surprises you

KNOW IF YOU ARE ON TRACK
- Set savings and payoff goals and watch a clear path toward each one
- Try what-if ideas: a different date, a different monthly amount, inflation, and named scenarios
- Projections are illustrations based on your own inputs, not promises

SORTED FOR YOU
- Your transactions are organized into categories, with simple rules you control
- You can always see why a category was chosen, and a choice you make by hand is never overwritten

UNDERSTAND WHERE IT GOES
- Money-flow and top-merchant insights for the period you pick
- A calendar view of the days money moved
- An investments view of your holdings and how they are spread

A LITTLE DELIGHT, WHEN IT IS EARNED
- Bamboo Shoots and The Grove mark real progress, never noise

YOUR DATA, YOUR CALL
- Export your data or delete your account from inside the app
- Sign in with email, Google or Apple

Bao Budget is for adults aged 18 and over and is available in the United States. It is a personal-finance tracking and planning tool, not a financial, investment, tax or legal advisor.

Bao Budget is a subscription service provided by NAS Innovation LLC. Plans are not sold in this app. Sign in with your Bao Budget account to get started.