Personal finance, made clear
Make sense of your money.
Balanced takes the place of the messy spreadsheet you've been meaning to keep. It gives you the structure — and the gentle guidance — to track what you have, understand where it goes, and learn how you really spend.
How it works
One simple path. You pick how hands-on.
Set things up once, then choose how your numbers get in. Balanced guides you either way — and you can switch whenever you like.
Step 1 · Set up
Add your accounts and the categories that match how you actually spend. Balanced suggests a sensible starting set.
Step 2 · Enter your values — two ways
Choose the approach that suits you. Both fill in the same budget and balance, so the rest of the app just works.
Let your statements do the work
Import a bank statement and Balanced sorts every transaction into categories, then fills your budget actuals and balances for you. “Where did it all go?” answers itself.
Type the figures in yourself
Prefer to stay hands-on, or not connect a bank? Enter your numbers straight into the budget and balance sheets. No imports — just a clean, guided place to keep them.
Step 3 · See where you stand
Either way, the same dashboard lights up: your spending breakdown, cash flow, budget variance and net worth — all kept up to date for you.
Features
Structure where you'd otherwise wing it.
No more rolling your own tabs and formulas. Balanced gives every part of your money a proper home — and guides you to what actually matters.
Budget
Budget — then learn how you really spend.
Set a budget for each category, then watch your categorised spending fill in beside it. The gap between the plan and the reality is the lesson: Balanced makes it impossible to ignore where your money is actually going.
Balance
Wealthy, or just spending?
Your bank balance lies. Big pension contributions can leave you feeling broke while your net worth quietly climbs; a month of treats can feel rich while your assets go nowhere. Balanced sorts what you own and owe across short, medium and long-term horizons — so you can see whether you're truly getting ahead, and think past this month.
Transactions
Turn a bank statement into understanding.
This is where Balanced earns its keep. Switch transactions on, drop in a statement, and a wall of cryptic bank rows becomes a clear, categorised picture of your month — and from there, every chart, budget and balance fills itself in.
- ImportDrop in a CSV statement and Balanced maps the columns for you.
- Auto-sortEach transaction lands in the right category, ready to review.
- Bulk editsRe-categorise or clear dozens of rows in one go — no row-by-row slog.
- Safe by defaultDuplicate-aware on import, and any import can be reversed in one click.
The details
It's the small things that make it tick.
The thoughtful touches that turn "a place to type numbers" into something that actually tells the truth about your money.
Transfers aren't spending
Move money between your own accounts and Balanced treats it as a transfer, not spending — so your expenditure stays honest and you don't look poorer or richer than you are.
Live & in sync
Edit or import a transaction and every chart, total and budget recalculates instantly — no refresh, no stale numbers, no "recalculate" button.
Duplicate-safe imports
Re-import an overlapping statement and Balanced spots the rows you already have, so nothing gets counted twice.
Reversible imports
Imported the wrong file? Undo the entire import in one action — the ledger snaps back to exactly where it was.
Notes & original detail
Add a note to any transaction and keep the original statement details beside the tidy, categorised version.
Your data, yours
Export everything to a file, clear your data, or delete your account outright — no dark patterns, no hostage-taking.
Get started
Put the spreadsheet down.
Create a free account and let Balanced give your money the structure it's been missing — and guide you to what matters.
Get started