Take Control of Your Money
Hands-on budgeting that keeps you connected to every dollar. No automatic imports, no passive tracking—just intentional spending.
Get Started FreeManual Entry
Enter every transaction yourself. It's not a burden—it's awareness. You'll know exactly where your money goes.
Zero-Based Budgeting
Give every dollar a job. Budget rollovers let unused money carry forward—flexibility when you need it.
Complete Visibility
Track accounts, categories, transfers, and split transactions. See running balances and understand your true financial picture.
Why Hands-On?
Most budgeting apps automatically import your transactions. Convenient? Sure. Effective? Not really.
When you manually enter each transaction, something shifts. You become aware. That $4 coffee? You had to type it in. That impulse purchase? You watched yourself record it.
This isn't about punishment—it's about intention. HOB keeps you engaged with your money, so you make better decisions without thinking about it.
Ready to Take Control?
Start budgeting with intention. No credit card required.
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