Budget Pilot is a full household budgeting app at a fraction of what the big budgeting apps charge — with debt payoff planning and real forward-looking budgeting fully included, not upsold.
Everything that showed up after Mint shut down either costs $13–15 a month, or keeps the good stuff — like automated debt payoff — behind a paywall on top of that.
What the major Mint replacements charge per month, with no free tier.
What some of them charge on top of that just for automated debt paydown tracking.
Most budgeting views only look backward — what already happened — instead of a real plan for what's coming.
Two things anchor Budget Pilot, both fully included from day one:
Set a planned amount per category per month, then see it against what you actually spend — not just a report of what already happened.
Avalanche or snowball strategy, extra-payment simulation, and a real projected debt-free date — never an upsell.
A real Income Statement, Balance Sheet, and Cash Flow Statement, plus a Tax Summary that groups your spending into the categories your CPA or tax preparer actually needs — organized by a licensed CPA, so they have what it takes to do their job, not a replacement for their review.
Everyone in your household shares one clear picture, with per-person breakdowns whenever you want them.
“Most budgeting apps are built for spreadsheets. Real families need an operating system.”
I’m a licensed CPA who spent 15 years in professional accounting and even longer managing the financial complexity of a busy, blended family. When Mint shut down I tested every replacement on the market. None of them handled multi-account households, real debt math, or genuine financial statements the way a CPA actually needs to see them. So I built Budget Pilot instead.
Three plans, no feature locked behind a separate add-on. See what's in each one — and remember, every plan is fully unlocked at no charge while we're in beta.
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