BareBones Budget

BareBones Budget is a no-nonsense mobile and web app that forces you to confront exactly where your money is going, without the fluff, charts, or fake motivation. It connects to your bank and credit accounts, auto-categorizes transactions, and then strips everything down to one core view: how much you can safely spend today without screwing up rent, debt payments, and essentials. Instead of ten goals and fifty envelopes, it focuses on three buckets: must-pay, should-pay, and can-burn. The app is opinionated and strict: if you’re off track, it tells you bluntly and suggests what to cut, not in vague tips but in specific line items. It’s designed for people who are tired of pretty dashboards and want a harsh, realistic guardrail between them and overdraft fees or credit card spirals. This is a traditional + AI hybrid app: traditional for core budgeting logic, AI for smarter categorization and blunt, personalized recommendations.