Built for Real Financial Control
Every feature designed to put you in the driver's seat. No gimmicks, no gamification — just tools that work.
Bank Sync via Plaid
Connect your US bank accounts and watch transactions flow in automatically. Checking, savings, credit cards, loans — all in one place. Plaid handles the connection with bank-level encryption, so your credentials never touch our servers.
Daily sync on Starter. Hourly sync on Pro. Up to every hour during market hours on Premium. Or go old-school with CSV and JSON import on the Free tier — we don't judge.
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8 Budget Methods
50/30/20. Pay yourself first. Zero-based. Envelope. Kakeibo. FIRE. Values-based. Custom. Eight proven methods, all built in. Because there's no single "right way" to budget — there's only the way that sticks for you.
Start with two on Free. Unlock five on Starter. Get all eight on Pro and Premium. Switch methods month to month until you find your groove.
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Investment Tracking
Stocks, ETFs, crypto, real estate, retirement accounts — track every asset class in one dashboard. See performance over time, cost basis, unrealized gains, and how each holding contributes to your net worth. Charts are bounded to the period you've actually owned each holding, so you're looking at your return, not the market's history.
Retirement accounts get tagged with the right subtype automatically — 401(k), 403(b), 457(b), Traditional IRA, Roth IRA, SEP IRA, SIMPLE IRA, HSA — so they roll up correctly into the long-term side of your net worth instead of mixing in with your everyday cash.
Connect your brokerage and we'll sync stock and ETF prices up to every hour during US market hours on Premium, daily on Pro — whatever your brokerage last reported, stamped with an "as of" timestamp. Crypto refreshes every 6 hours during our beta (we'll tighten this as we scale). Real estate and alternative assets are manual; update them when you have a new appraisal. Manual equity entries (stocks added without a brokerage connection) update when you do.
Premium adds per-lot cost-basis tracking — FIFO, LIFO, or Specific-ID per holding, with a downloadable tax-lot CSV when you need to hand something to your accountant.
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Net Worth Dashboard
Everything you own minus everything you owe. Updated automatically from your connected accounts, investments, and manually tracked assets. Watch it grow over time with historical snapshots.
Three views, one toggle. Total is the headline number — every asset minus every debt. Liquid is what you could spend in roughly a week without selling property — cash, checking, savings, accessible crypto. Investable sits between the two — Liquid plus retirement and real estate. Most apps give you one number; we give you all three because "what's my net worth" is actually three different questions.
Free tier gives you manual net worth tracking. Starter and above compute it automatically from all your connected accounts and assets. Charts use a sign-aware color scheme — green for gains, red for losses — so you can read the trend at a glance.
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Multi-Currency Support
Track finances across up to unlimited currencies (depending on your plan) with near real-time exchange rates. Set your home currency and watch everything convert automatically. Perfect for freelancers with international clients, travelers, or anyone whose money lives in more than one country.
One currency on Free. Three on Starter. Ten on Pro. Unlimited on Premium. Exchange rates update throughout the day so your balances stay accurate.
Learn MorePartner Sharing
Money is the number one thing couples fight about. Share selected accounts and budgets with your partner so you're both looking at the same numbers. Each person gets their own login with their own private accounts too.
Pro includes one partner slot. Premium expands to five household members. If you have unused bank-connection slots on Pro or Premium, you can lend them to other Forbidden Finance users so they can connect their own banks. They keep their own tier and their own data; you keep yours. Either side can share specific accounts back with explicit consent. Full control, zero surprises.
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FIRE Planning Tools Coming Soon
Financial Independence, Retire Early. Calculate your FIRE number, track your savings rate, and model different scenarios. Coast FIRE, lean FIRE, barista FIRE — we've got calculators for all of them.
See exactly how many years until you can walk away. Adjust your spending, savings rate, or expected returns and watch the timeline shift in real time. Available on Pro and Premium.
Learn MorePrivacy-First Architecture
We built Forbidden Finance because we were tired of apps that monetize your financial data. Here's the deal: we charge subscriptions. That's it. We don't sell your data, we don't show you targeted ads based on your spending, and we don't share your information with "partners."
Passkey authentication means no passwords to hack. Row-level security isolates every user's data at the database level. All connections encrypted in transit via TLS, sensitive credentials encrypted with AES-256-GCM before storage. This isn't marketing fluff — it's how the system is engineered from the ground up.
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Customizable Dashboard
Pick what you actually want to see when you open the app. Account balances, budget progress, upcoming bills, net worth chart, goals, recent transactions, cash flow forecast, spending breakdown — drag the widgets that matter into the layout that makes sense for you. Hide the rest.
Ten widget types and counting. The dashboard is yours, not a one-size-fits-all home screen designed by committee.
Learn MoreReflection Journal
Money is a habit. Habits live or die based on whether you actually pay attention to them. The reflection journal gives you a structured weekly and monthly check-in — answer a few prompts about what you spent, what surprised you, what you'd change next time. The prompts are customizable; the cadence is yours.
Pairs with any budget method, including Custom. The journal sits next to your numbers, not on top of them — quiet, optional, and there when you want it. Available on Pro and Premium.
Learn MoreMilestone Tracking
Hit a savings target, pay off a debt, build a three-month emergency fund — Forbidden Finance notices and quietly acknowledges it. No streaks, no leaderboards, no fake urgency. Just a record of the moments that actually mattered, organized by category so you can see your trajectory at a glance.
We're not in the dopamine-loop business. The acknowledgments are subtle on purpose — there if you want to look back, invisible if you don't.
Learn MoreSee How We Compare
Most budgeting apps give you one method and call it a day. We give you eight.
| Feature | Forbidden Finance | Typical App |
|---|---|---|
| Budget methods | 8 | 1-2 |
| Investment tracking | Built-in | Separate app |
| Net worth tracking | Automatic | Manual or none |
| Multi-currency | Up to unlimited | 1 |
| Partner sharing | Granular control | All or nothing |
| Data selling | Never | Often |
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Start free. No credit card. No commitment. Just better tools for your money.