Every dollar gets a job
Assign your income to buckets until nothing is left over. Overspending shows up as a decision to make — move money from another bucket — not a surprise at the end of the month.
Zero-based budgeting
Know what your money can do.
Joo Money is a calm budgeting workspace. Give every dollar a bucket before the month spends it for you — free with manual entry, three dollars a month to sync your banks.
Income$3,250.00
Rent$1,400.00
Groceries$520.00
Debt payoff$550.00
Savings$780.00
Left to assign$0.00
Your banks, read-only
Connect your banks through Plaid and new transactions arrive on their own. Access is read-only — Joo Money can never move your money — and tokens are encrypted at rest.
You stay in charge
Nothing is categorized behind your back. New transactions wait in the inbox with a suggestion; a transaction counts only after you assign it.
Pricing
Manual
$0forever
- Unlimited buckets and accounts
- Add transactions yourself
- Analytics, forecasting, and export
Bank sync
$3per month
- Everything in Manual
- Up to 3 connections — banks, mortgages, retirement accounts
- Cancel anytime — your budget stays
Questions
What is zero-based budgeting?
You take the money you actually have and assign all of it to buckets — rent, groceries, savings — until nothing is left unassigned. The plan is the budget: when a bucket runs low you move money between buckets instead of guessing.
Is my bank data safe?
Bank connections go through Plaid and are read-only: Joo Money can see accounts and transactions but can never move money, and your bank credentials never touch Joo Money. Access tokens are encrypted at rest.
Do I have to connect a bank?
No. Manual accounts are fully supported on the free plan — add transactions yourself and everything else works the same.
Can I cancel bank sync?
Any time, from Settings — billing is handled by Stripe. Your budget and history stay, and your account simply continues on the free manual plan.