ChipMunkey splits your money into envelopes, groceries, rent, fun, savings, so you always know how much is left to spend. Build your budget with AI, connect your bank, keep your receipts, and share it with the people you live with.
Free plan available. No credit card needed.
Left to spend
$1,284
What makes it different
Four features that take the busywork out of budgeting.
AI budget builder Plus
Not sure where to start? Tell our built-in AI about your income, your bills and what you’re saving for. In a couple of minutes it builds a complete budget for you, envelopes, amounts and savings goals included. You can change anything before you keep it.
Bank connections Plus
Link your bank accounts and your purchases show up in ChipMunkey on their own. Pick the ones you want and add them to the right envelope in a tap. The connection goes through Plaid, a service used by thousands of finance apps, and your bank password is never shared with us.
Receipts Plus
Take a photo of a paper receipt, or add photos and PDFs you already have. Match each one to its purchase and sort them into folders, so the proof is right there when you return something or claim an expense. Plus includes 10 GB of room for receipts, and Extra 200 GB.
Works with AI assistants Plus
Already use an AI assistant like Claude? Connect it to ChipMunkey and just ask: “How much is left for groceries?” or “Add $12 for lunch.” It works through MCP, an open standard for plugging apps into AI assistants. You approve each assistant, and you can disconnect it at any time.
Included in every plan
The essentials are free, forever.
Set an amount for each part of your life. Spend from it, and see what’s left at a glance.
Add your income, your regular bills and your savings goals, and see where the rest can go.
Invite your partner, family or roommates. Everyone works from the same plan and sees the same numbers.
Didn’t spend it all? Keep what’s left in the envelope for next month, or move it to another one.
A clear dashboard shows your spending, your savings and how your month is going.
Made for both, so you can add a purchase in line at the store and plan properly at home.
How it works
Set it up yourself in a few steps, or let the AI builder do it for you.
Add purchases as you go, or connect your bank and let them come to you. Snap the receipt to keep it with the purchase.
See how you did, carry over what’s left, and start the next month fresh.
Tutorials
Short videos that walk you through the app, one step at a time.
Pricing
Three simple plans, no surprises.
Everything you need to run one budget.
$0/ month
Most popular
For people who want the budget to do more of the work.
$9/ month
Billed monthly, plus applicable taxes. Cancel anytime.
Everything in Free, plus:
Most room for receipts
For households that keep every receipt.
$19/ month
Billed monthly, plus applicable taxes. Cancel anytime.
Everything in Plus, plus:
Support
Stuck on something? Here’s how to get an answer.
Select Sign in, then “Forgot your password?” under the password box. We’ll email you a link to choose a new one.
Open the People page and choose Invite someone. Enter their email address and they’ll get an invitation to join. Only the budget’s owner and admins can invite people.
Open the Banking page, choose the bank and select Disconnect. Anything you already added to your budget stays where it is.
On a computer, open Receipts and choose Upload receipts, or drop the files onto the page. On your phone, tap More, then Receipts, then Add receipts to take a photo or choose files. Receipts come with Plus and Extra.
Write to us at [email protected] and we’ll delete your account and your information.
Create your first budget in minutes. It’s free to start.
