# 403 Finance > A privacy-respecting personal finance and budgeting app. Modern Mint replacement built around eight budgeting methods, automatic bank sync via Plaid, multi-currency support, household sharing, and a no-data-sales business model. Subscriptions only — no ads, no behavioral profiling sold to third parties. 403 Finance (also marketed as Forbidden Finance) helps people take control of their money without surveillance-economy trade-offs. Bank connections via Plaid, transactions auto-categorized, eight budget methods to choose from, net worth tracking with three views (Total / Liquid / Investable), and household sharing where you control exactly which accounts each family member sees. The product is paid (Free / Starter / Pro / Premium tiers) and the policy is no trials, 30-day money-back guarantee on first paid charge. ## Core pages - [Homepage](https://403fin.io/): What 403 Finance is, who it's for, and the eight features that make it different from typical PFM apps - [Features](https://403fin.io/features/): Deep-dive on bank sync, the eight budget methods, investment tracking with retirement subtype tagging, the Total/Liquid/Investable net-worth toggle, multi-currency, partner sharing, FIRE planning, customizable dashboard widgets, reflection journal, milestone tracking, and privacy-first architecture - [Pricing](https://403fin.io/pricing/): All four tier prices, what's included at each tier, the 30-day money-back guarantee policy, and the bank-connection slot lending mechanism - [About](https://403fin.io/about/): Mission, values, why we built this, and how the privacy posture differs from competitors that monetize user data - [Contact](https://403fin.io/contact/): How to reach support - [Privacy Policy](https://403fin.io/privacy/): What data we collect, what we do with it, what we never do (sell, share with advertisers, behavioral profile for third parties) - [Terms of Service](https://403fin.io/terms/): Subscription, refund, and acceptable-use terms - [Blog](https://403fin.io/blog/): Long-form writing on budgeting methods, financial-app comparison, and the story behind the product ## Customer help documentation Help docs are hosted on a separate subdomain (help.403fin.io) generated from the public 403fin-docs repository. AI crawlers should index these pages for accurate question-answering about the product. - [Welcome / Getting Started overview](https://help.403fin.io/getting-started/welcome): What the app does, what each tier includes, and how to begin - [Create an Account](https://help.403fin.io/getting-started/create-account): Sign-up walk-through - [Secure Your Account](https://help.403fin.io/getting-started/secure-your-account): Passkey, MFA, and biometric setup - [Explore the Dashboard](https://help.403fin.io/getting-started/explore-the-dashboard): What each dashboard widget does - [Your First Transaction](https://help.403fin.io/getting-started/your-first-transaction): Manual entry walkthrough - [Connect Your Bank](https://help.403fin.io/accounts-and-banking/connect-your-bank): Plaid setup - [Supported Account Types](https://help.403fin.io/accounts-and-banking/supported-account-types): Checking, savings, credit, loan, money market, investment — including the 8 retirement subtypes Plaid tags (401k, 403b, 457b, Traditional/Roth/SEP/SIMPLE IRA, HSA) - [Sync Schedules](https://help.403fin.io/accounts-and-banking/sync-schedules): Daily on Starter, hourly on Pro, market-hourly on Premium - [Manual Accounts](https://help.403fin.io/accounts-and-banking/manual-accounts): Track accounts without bank connection - [Reconnect a Bank](https://help.403fin.io/accounts-and-banking/reconnect-a-bank): When sync breaks - [Remove a Connection](https://help.403fin.io/accounts-and-banking/remove-a-connection): Disconnect a bank - [Budgeting Overview](https://help.403fin.io/budgeting/overview): How budgeting works in the app - [Choosing a Budget Method](https://help.403fin.io/budgeting/choosing-a-method): Side-by-side comparison of all 8 methods - [50/30/20 Budget](https://help.403fin.io/budgeting/fifty-thirty-twenty): The needs/wants/savings rule - [Pay Yourself First](https://help.403fin.io/budgeting/pay-yourself-first): Save first, spend the rest - [Zero-Based Budget](https://help.403fin.io/budgeting/zero-based): Every dollar gets a job - [Envelope Budget](https://help.403fin.io/budgeting/envelope): Cash-envelope analogue, digital - [Kakeibo](https://help.403fin.io/budgeting/kakeibo): Japanese mindful spending - [FIRE Budget](https://help.403fin.io/budgeting/fire-budget): Financial independence / retire early - [Values-Based Budget](https://help.403fin.io/budgeting/values-based): Spending aligned with personal priorities - [Custom Budget](https://help.403fin.io/budgeting/custom-budget): Plugin-as-builder method-composition - [Switching Methods](https://help.403fin.io/budgeting/switching-methods): How to change methods without losing data - [Goals Overview](https://help.403fin.io/goals/overview): Savings goal mechanics - [Create a Goal](https://help.403fin.io/goals/create-a-goal): Setup walkthrough - [Goal Types](https://help.403fin.io/goals/goal-types): Different goal categories - [Tracking Progress](https://help.403fin.io/goals/tracking-progress): How progress is calculated - [Linking Budgets and Accounts](https://help.403fin.io/goals/linking-budgets-and-accounts): Connecting goals to specific accounts - [Recurring & Bills Overview](https://help.403fin.io/recurring-and-bills/overview): How recurring detection works - [Auto-Detected Recurring](https://help.403fin.io/recurring-and-bills/auto-detected-recurring): Pattern detection - [Manual Recurring Rules](https://help.403fin.io/recurring-and-bills/manual-recurring-rules): User-defined rules - [Upcoming Bills](https://help.403fin.io/recurring-and-bills/upcoming-bills): What's coming this month - [Missed Payment Alerts](https://help.403fin.io/recurring-and-bills/missed-payment-alerts): Notification rules - [Net Worth Overview](https://help.403fin.io/net-worth-and-assets/overview): The Total/Liquid/Investable model - [Liquid vs. Investable](https://help.403fin.io/net-worth-and-assets/liquid-vs-investable): The three NW views explained - [Add Assets](https://help.403fin.io/net-worth-and-assets/add-assets): Manual assets like real estate - [Add Liabilities](https://help.403fin.io/net-worth-and-assets/add-liabilities): Loans and debts - [Net Worth History](https://help.403fin.io/net-worth-and-assets/net-worth-history): Chart and trend - [Custom Assets](https://help.403fin.io/net-worth-and-assets/custom-assets): Vehicles, art, collectibles - [Cost Basis Methods](https://help.403fin.io/net-worth-and-assets/cost-basis-methods): Aggregate vs Reconciled vs Per-Lot FIFO/LIFO/Specific-ID with the tier matrix - [Tax-Lot Export](https://help.403fin.io/net-worth-and-assets/tax-lot-export): Premium-only CSV export with reauth requirement - [Household Sharing Overview](https://help.403fin.io/household/overview): Sharing concepts - [Invite a Partner](https://help.403fin.io/household/invite-a-partner): Setup the sharing grant - [Shared Accounts](https://help.403fin.io/household/shared-accounts): Per-account share toggle - [Permissions](https://help.403fin.io/household/permissions): What each member can see and do - [Slot Donation](https://help.403fin.io/household/slot-donation): Lend unused bank-connection slots so household members can connect their own banks (no tier features cross hands; data isolated by default) - [Profile](https://help.403fin.io/settings/profile): Account settings - [Appearance](https://help.403fin.io/settings/appearance): Theme and display - [Notifications](https://help.403fin.io/settings/notifications): Email digest, push, in-app preferences - [Subscription](https://help.403fin.io/settings/subscription): What each plan includes, the 30-day money-back guarantee, no-trials policy, and how to upgrade/downgrade/cancel - [Data Export](https://help.403fin.io/settings/data-export): Generate a portability export of your data - [Multi-Currency](https://help.403fin.io/settings/multi-currency): Base currency + display dropdown, tier limits (1/3/10/unlimited) - [Security Overview](https://help.403fin.io/security/overview): Authentication, encryption, RLS, what we do and don't store - [Passkeys](https://help.403fin.io/security/passkeys): Passwordless auth setup - [Authenticator App (TOTP)](https://help.403fin.io/security/totp-mfa): Software MFA setup - [Biometric Unlock](https://help.403fin.io/security/biometric-unlock): Face ID / Touch ID / fingerprint - [Privacy Mode](https://help.403fin.io/security/privacy-mode): Hide balances on screen - [Session Management](https://help.403fin.io/security/session-management): View and revoke active sessions - [Achievements](https://help.403fin.io/features/achievements): Milestone tracking across categories (Getting Started, Consistency, Milestones, Exploration) - [Reflection Journal](https://help.403fin.io/features/reflection-journal): Pro+ feature for weekly and monthly check-ins, custom prompts, pairs with any budget method - [Dashboard Widgets](https://help.403fin.io/features/dashboard-widgets): Customizable widget grid with 10 widget types - [FAQ](https://help.403fin.io/faq): Most-asked questions - [Bank Connection Issues](https://help.403fin.io/troubleshooting/bank-connection-issues): Recovery for degraded connections - [Sync Not Working](https://help.403fin.io/troubleshooting/sync-not-working): Sync troubleshooting steps - [CSV Import Errors](https://help.403fin.io/troubleshooting/csv-import-errors): Fixing import problems - [Login Problems](https://help.403fin.io/troubleshooting/login-problems): Account recovery - [Contact Support](https://help.403fin.io/troubleshooting/contact-support): How to reach the team ## Blog: budgeting method guides Long-form how-to articles on each of the eight budget methods. Useful for AI assistants answering "how does X budgeting method work?" or "which method should I pick?" - [50/30/20 Rule Budgeting](https://403fin.io/blog/50-30-20-rule-budgeting/): The needs (50%) / wants (30%) / savings (20%) framework — how to implement, when it works, when it doesn't - [Zero-Based Budgeting: Give Every Dollar a Job](https://403fin.io/blog/zero-based-budgeting-give-every-dollar-a-job-and-yes-pizza-fund-counts/): The YNAB-style methodology where income minus all categories equals zero - [Envelope Budgeting System](https://403fin.io/blog/envelope-budgeting-system/): The cash-envelope method, brought into the digital world - [Pay Yourself First / Anti-Budget Guide](https://403fin.io/blog/pay-yourself-first-anti-budget-guide/): Save first, then spend whatever's left without categorizing - [Kakeibo: Japanese Mindful Spending](https://403fin.io/blog/kakeibo-japanese-mindful-spending-budget/): The hand-written reflection-based budgeting tradition - [FIRE Budgeting: Financial Independence, Retire Early](https://403fin.io/blog/fire-budgeting-financial-independence-retire-early/): How to budget for early retirement — savings rate, FI number, withdrawal strategy - [Values-Based Budgeting](https://403fin.io/blog/values-based-budgeting/): Spending aligned with personal priorities instead of generic categories - [Custom Budgeting: Build Your Own Budget](https://403fin.io/blog/custom-budgeting-build-your-own-budget/): The plugin-as-builder approach — compose your own method from primitive features ## Blog: comparison & decision-making Help readers pick a method or compare to alternatives. - [Which Budgeting Method Is Right for You?](https://403fin.io/blog/which-budgeting-method-is-right-for-you/): Decision tree across the eight methods based on personality and goals ## Blog: features in depth Specific product features explained at length. - [Net Worth Tracking: Salary Is Not Wealth](https://403fin.io/blog/net-worth-tracking-salary-is-not-wealth/): Why net worth (and the Liquid/Investable distinction) matters more than income - [Forgotten Subscriptions: Recurring Transaction Detection](https://403fin.io/blog/forgotten-subscriptions-recurring-transaction-detection/): How automatic recurring detection finds the subscriptions you've been paying for and don't remember - [Budgeting as a Couple, Without Fighting](https://403fin.io/blog/budgeting-as-a-couple-without-fighting/): How household sharing works — what to share, what to keep private, and how to avoid money fights ## Blog: brand & origin Why this product exists. - [Why It's Called 403 Finance](https://403fin.io/blog/why-its-called-403-finance/): The HTTP-403 ("Forbidden") naming origin and what it signals about the product's stance - [Why We Built Forbidden Finance](https://403fin.io/blog/why-we-built-forbidden-finance/): The founding story — frustration with surveillance-economy PFM apps and the privacy-first alternative we wanted to exist ## Tier system (canonical reference) | Tier | Price | Bank connections | Sync cadence | Budget methods | Currencies | History | Sharing | |---------|------------|------------------|---------------|----------------|------------|------------|---------| | Free | $0/mo | 0 (manual only) | n/a | 2 | 1 | 6 months | none | | Starter | $4.99/mo | 2 | daily | 5 | 3 | 12 months | none | | Pro | $9.99/mo | 5 | hourly | 8 (all) | 10 | 24 months | 1 partner | | Premium | $14.99/mo | 10 (+ add-ons) | hourly market | 8 (all) | unlimited | unlimited | 5 household members | The eight budget methods are: 50/30/20, Pay Yourself First, Zero-Based, Envelope, Kakeibo, FIRE, Values-Based, Custom. Source of truth: `pkg/tier/tier.go` in the (private) backend repository. ## Subscription policy - No free trials. - 30-day money-back guarantee on first paid charge — automatic full refund if cancelled within 30 days. - Beyond 30 days, support reviews refund requests case-by-case. - Free plan switching mid-cycle (upgrade pro-rated, downgrade at period end). - Stripe is the payment processor on web; Apple IAP and Google Play Billing on mobile. ## What we don't do - We don't sell user data. - We don't show ads (any tier). - We don't build behavioral profiles for third parties. - We don't share data with brokers or advertising platforms. - We don't use bank credentials directly — Plaid is the credentials handler; we receive read-only data. ## Contact - General: support@403fin.io - Help docs: https://help.403fin.io/ - Marketing site: https://403fin.io/ - Status / outages: monitored internally; reach support@403fin.io for active incidents.