Middle Class Finance is a free personal finance app built for everyday households. Track your spending, set budgets, manage debt, and work toward savings goals — all without connecting your bank account.

You are in full control of your data. Every transaction is entered manually, so there are no bank logins, no third-party data sharing, and no surprises.

FEATURES

Budget tracking — Set monthly budgets by category and see exactly where your money goes. Supports traditional budgeting, 50/30/20, zero-based, and envelope methods.

Transaction management — Log income and expenses with categories, payees, and notes. Split transactions across multiple categories when needed.

Debt payoff tools — Track multiple debts and choose between avalanche or snowball payoff strategies. See your projected payoff timeline.

Savings goals — Set savings targets with deadlines. Track progress across multiple goals at once.

Multiple accounts — Manage checking, savings, and credit card accounts in one place. View balances and transaction history per account.

Recurring transactions — Set up repeating income or expenses so you never forget a bill.

Import support — Import transactions from CSV, OFX, QFX, and QBO files exported from your bank.

Reports — Generate monthly PDF reports with spending breakdowns by category.

NO BANK CONNECTIONS

Middle Class Finance does not connect to your bank. You enter every transaction yourself. This means your banking credentials are never stored or shared with anyone.

FREE TO USE

The web app at middleclassfinance.app is completely free. No trial period, no feature limits, no ads.