✦ Envelope budgeting with bank sync · $5/mo · 30-day free trial

Envelope budgeting
like you mean it. Lazily.

Envelope budgeting without breaking your budget. Bank sync, subscription detection, savings goals, debt tracker, joint budgets — all the bells and whistles, none of the spreadsheet rage. 30-day free trial, no card to start.

Start free trial→ See sample dashboard
Set up in 5 minutes 12,000+ US banks supported 30-day free trial
Groceries On track
$340 of $500
Dining out Drifting
$220 of $200
Bank-grade · Plaid OAuth
Privacy first · no ads, no resale
12,000+ US banks supported
$5/month · 30-day free trial
— See it in action

Three screens
you'll use
every week.

Clean, fast, and focused on exactly what you need to know. No dashboards-of-dashboards. No "you may also like."

LazeeFish dashboard showing KPI cards, net worth, debt tracker, and savings goals
📊 KPIs, net worth trend, monthly history — one screen.
Review feed with Post Transaction modal open for Whole Foods, Groceries envelope pre-selected
🏦 Synced transactions ready to review. Post or skip in one click.
Monthly spending summary table showing per-envelope spending across multiple months
📅 Month-over-month by envelope. Trends, instantly.
— Features

Everything you need.
Nothing you don't.

Built for people who want real visibility into their personal finances without the complexity of enterprise software. Every feature works together — and every feature is free.

01 — Bank Sync

Plaid does the heavy lifting.

Connect checking, savings and credit accounts in minutes. Transactions arrive automatically. You'll never type one in by hand again.

Learn more →
02 — Auto-tag

Set rules once.
Forget forever.

Tell LazeeFish "Whole Foods → Groceries" once. Every future transaction lands in the right envelope. No bookkeeping. No babysitting.

Learn more →
03 — Joint Budgets

Two logins. One budget.

Invite your partner in one click. Share envelopes, see each other's spending, keep private envelopes. No per-user fees.

Learn more →
04 — Debt Tracker

Know your debt-free date.

Track every card, loan, and line of credit. Snowball or avalanche — your payoff progress updates automatically with every payment.

Learn more →
05 — Savings Goals

Set a goal. Watch it grow.

Emergency fund, vacation, down payment. Set a target and a date — LazeeFish shows how you're tracking each month and what's needed to hit it.

Learn more →
Also included
Subscription tracker → Recurring bills → Mortgage tracker → Credit card payoff → See all features →
Try it now

Five minutes to your first envelope.

Start free trial→
— How we compare

Not just cheaper.
Built differently.

Pick a comparison and see exactly where LazeeFish wins, and where the other guy still has the edge.

vs YNAB Full comparison →

Same envelope method.
$5/mo instead of $14.99.

Both apps assign every dollar a job. LazeeFish drops the subscription fee and adds debt/mortgage trackers YNAB charges extra to add.
vs Mint Full comparison →

A budget,
not just a tracker.

Mint showed you what already happened. LazeeFish tells you what's allowed to happen — before you spend.
vs Monarch Full comparison →

Envelopes, not
category buckets.

Monarch is a beautiful tracker. LazeeFish is a behavior tool — every envelope hits zero and you know it instantly.
See all 11 comparisons →
✦ The envelope method

Every dollar gets
a job. Before you spend it.

Instead of tracking spending after it happens, you allocate every dollar of income to an envelope at the start of the month. When the envelope runs low, you know — and you consciously choose where to borrow from. It's the personal finance habit that actually changes behaviour.

1
Connect your bank
Plaid OAuth, read-only.
2
Fill your envelopes
Allocate before the month begins.
3
Spend with clarity
Know what you can spend, instantly.
Read the full guide
Groceries $500
Dining $200
Transport $180
Home $1,200
— Quick answers

The questions
most people ask first.

How much does LazeeFish cost?

$5/month or $50/year. Every feature is included — bank sync, envelope budgeting, refund auto-match, debt tracking, savings goals, joint household access. Start with a 30-day free trial, no card to start.

Is there a mobile app?

LazeeFish is a progressive web app — open it in your mobile browser and tap "Add to Home Screen" for a full app-like experience. A native iOS and Android app is in development.

What if my bank isn't on Plaid?

Use CSV import. Most banks let you download monthly statements as CSV, and LazeeFish parses them. You can also enter transactions manually.

Is my financial data encrypted?

Yes. All traffic is HTTPS. Plaid access tokens are encrypted at rest with AES-256. We never see or store your bank password.

See all 20+ questions →

Ready to take control of
your personal finances?

Start a 30-day free trial and connect your first bank in under 5 minutes. $5/month after.

Start free trial→