# Budget Friendly Budget review

> Free web-based zero-based budgeting for manual entry, installable on phones
Source: https://budgetingapps.org/apps/budget-friendly-budget (researched 2026-10-14). Research-based review, not hands-on testing.

## Summary

Budget Friendly Budget (BFB) is a free web app modelled on the zero-based method: assign every dollar, plan ahead, and enter transactions by hand. It includes a calendar of scheduled transactions, goals, reports, shared budgets, and import wizards for two other budgeting apps. It works in the phone browser as an installable app rather than through app stores.

**Best for:** Manual-entry budgeters who want a free zero-based tool with a partner sharing option

## Key facts

- Website: https://www.budgetfriendlybudget.com/
- Price: Free/month; Free/year
- Rating: 3.2/5
- Free plan: yes
- Free trial: n/a
- Platforms: Web
- Budgeting method: Zero-based, Expense tracking, Forecasting, Couples & families
- Bank sync: No (manual entry by design)
- Mobile apps: No store app; installable web app
- Import: Yes: guided import from YNAB and Actual Budget
- Multiple budgets: Not confirmed
- Team: Small independent team; creator posts as 'Matt' on Reddit
- Privacy: Vendor states data is never sold and 2FA is available

## Features

- Envelope budgeting: not confirmed
- Automatic bank sync: no
- Manual transaction entry: yes
- Goal tracking: yes
- Debt payoff tools: yes
- Investment tracking: not confirmed
- Bill reminders: not confirmed
- Reports & charts: yes
- Multi-currency: not confirmed
- Shared / household budgets: yes
- Separate logins for shared budgets: not confirmed

## Pros

- No paid tier: the vendor states there is no subscription, premium tier, ads or card on file.
- Guided import wizards bring over accounts, categories and history from two other budgeting apps.
- Calendar of scheduled transactions, plus Split View and Plan Mode for planning ahead and testing changes.
- Goals that calculate what to assign monthly, plus a loan simulator and net worth tracking.
- Shared budgets by invitation, 2FA, and a stated policy of not selling data.

## Cons

- Manual entry only by design; no bank sync.
- No native iOS or Android app; mobile use is an installed web app.
- Funded by optional voluntary tips, so long-term sustainability depends on donations.
- Data export options were not found on the pages checked.
- Multi-currency support was not confirmed.

## Our review

### Short version

Budget Friendly Budget (BFB) is a free web app modelled on the zero-based method: assign every dollar, plan ahead, and enter transactions by hand. It includes a calendar of scheduled transactions, goals, reports, shared budgets, and import wizards for two other budgeting apps. It works in the phone browser as an installable app rather than through app stores.

**Quick profile, not a full review.** Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.

### Cost

- Free (optional $3/month tip)

- Free

### Not confirmed

Founding year; Data export; Multi-currency; Last release date (no changelog found); Whether envelope-style rollover is supported; Bill reminder notifications.

### Notes

/pricing returned 404; pricing taken from the homepage 'Free' section, which states optional $3/month tips.

Ratings are set separately against a shared rubric.

## Sources

- [Official product and pricing/features homepage](https://www.budgetfriendlybudget.com/) (retrieved 2026-10-14)