Freedom251 › Personal Finance Software
Budget3
by Budget3
What Budget3 is
Budget3 is a free web budgeting app from a maker in Québec, Canada. It uses a pay-yourself-first method, reserving money for future commitments before showing what remains available. The service projects budgets over three to 36 months, including planned changes, and calculates suggested transfers for each occurrence and account for users to schedule with their bank. Financial goals can include a target amount and date, with Budget3 calculating how much to reserve per paycheque. It provides dated snapshots of assets, liabilities, and net worth. Users can duplicate and edit multiple budgets, including personal and couple versions. Budget3 does not connect to bank accounts; financial information is supplied manually. It works with one bank account, while additional accounts are optional. The app is mobile first and available in French and English. It is designed to show what users can afford rather than report individual past purchases. Data is transmitted over HTTPS, and the service says it does not collect bank credentials or real bank transactions. The Free plan costs nothing, includes all features, and requires no credit card.
Who it suits
Budget3 suits people who want free web budgeting, bill tracking, goal planning, and net-worth snapshots without connecting bank accounts. Its French and English mobile-first design also fits users who prefer manual financial entry.
What it does well
- Projects budgets from three to 36 months
- Calculates suggested transfers and goal contributions
- Tracks dated assets, liabilities, and net worth
- Supports personal and couple budgets
- No bank credentials or transactions collected
What to know first
- No automatic bank connection
- Financial information must be entered manually
- Not designed to report individual past purchases
- Works with one bank account by default
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | All features · No credit card required · No bank connection | Free |
As budget3.ca lists them, read 12 Oct 2026. The maker's own page has the final word.
Verdict
Budget3 focuses on planning available money and future commitments rather than recording every purchase. Its free, bilingual web app offers projections, goals, bills, and net-worth tracking, with manual account management as the central limitation.
Facts from Budget3's own pages
- Account setup
- Budget3 works with one bank account, while additional accounts are optional. · budget3.ca, 12 Oct 2026
- Account sync
- manual · budget3.ca, 22 Sept 2026
- Bank connection
- Budget3 does not connect to bank accounts; users provide their financial information themselves. · budget3.ca, 12 Oct 2026
- Bill tracking
- Yes · budget3.ca, 22 Sept 2026
- Budgeting tools
- Yes · budget3.ca, 22 Sept 2026
- Budget method
- It applies the “pay yourself first” method by reserving money for commitments before it is spent. · budget3.ca, 12 Oct 2026
- Financial goals
- Users can set a goal amount and date, and Budget3 calculates how much to reserve per paycheque. · budget3.ca, 12 Oct 2026
- Founder
- The site identifies Dominic as Budget3's founder. · budget3.ca, 12 Oct 2026
- Free plan
- Yes · budget3.ca, 22 Sept 2026
- Headquarters
- Québec, Canada · budget3.ca, 28 Sept 2026
- Languages
- The app is available in French and English and is described as mobile first. · budget3.ca, 12 Oct 2026
- Multiple budgets
- Users can duplicate and edit multiple budgets, including personal and couple budgets. · budget3.ca, 12 Oct 2026
- Net worth
- It provides a dated snapshot of assets, liabilities and net worth. · budget3.ca, 12 Oct 2026
- Net-worth tracking
- Yes · budget3.ca, 22 Sept 2026
- Not a spending tracker
- Budget3 says it is not intended to report individual past purchases, but to show what users can afford. · budget3.ca, 12 Oct 2026
- Privacy and security
- The privacy policy says data is transmitted over HTTPS and that Budget3 does not collect bank credentials or real bank transactions. · budget3.ca, 12 Oct 2026
- Privacy rights
- The privacy policy says users can access, correct, delete or request portability of their data, with a response within 30 days. · budget3.ca, 12 Oct 2026
- Projections
- It provides budget projections over a 3 to 36 month horizon, including planned changes. · budget3.ca, 12 Oct 2026
- Purpose
- Budget3 calculates how much to reserve for future commitments and shows what remains available. · budget3.ca, 12 Oct 2026
- Suggested transfers
- It calculates suggested transfers for each occurrence and account, which users schedule at their bank. · budget3.ca, 12 Oct 2026
- Support
- The maker says it responds to email inquiries within 24 hours. · budget3.ca, 12 Oct 2026
Where Budget3 stands on Freedom251
- Personal Finance Software#117 of 181