Save to Splurge!

Everyone wants to do better with their money, but life is too short to only save! Traditional budgeting feels restrictive, even if you actually have plenty of money. Splurge is a new take on envelope / cash stuffing / zero-based budgeting that focuses on spending better to enable the life you really want.

checklist

What is Splurge?

Buying a CouchGuilt-Free SpendingTraditional budgeting makes you feel like you are always doing something wrong if you are spending. Splurge allows for guilt-free spending, while ensuring that savings goals and bills are met.
Wheelbarrow of CashPaying Down DebtSplurge allows you to easily pay down debt, while still allowing you to feel good about spending money.
Couple Growing MoneyCouples BudgetingBudgeting together can be challenging. Splurge will help you get on top of your co-finances whether you are combining money, keeping things separate, or collaboratively paying bills. Better yet, Splurge can completely eliminate arguments over money!
Woman With Cash GrowthSavingSplurge makes saving natural. Your bank accounts will continuously grow without major heroics on your part.
Splurge Interface
Splurge Interface

Splurge features an intuitive interface that works well on any device. It's fast, easy to use, and fun!

Why use Splurge?

Splurge Is Different
Splurge Is Different

It doesn't require you to stick to rigid weekly/monthly budgets in order to pay your bills, reach your savings goals, and enjoy your life. Splurge is an alternative to budgeting software such as Mint*, Quicken*, Simplifi*, YNAB*, and Goodbudget*. At its core, Splurge is a twist on envelope / cash stuffing / zero-based budgeting - but with a “rollover” mechanism designed to give you flexibility that isn’t provided by any other financial software.

Achieve Your Goals
Achieve Your Goals

With Splurge, you can build up money in spending categories (called “Stacks”) then use it toward unique life experiences such as a vacation, throwing a party, eating at a nice restaurant, buying a new laptop, picking up a tab at a bar for friends, going to a concert, or even climbing a mountain - all without “blowing” your budget. Spend without guilt due to the way Splurge makes it easy to simultaneously pay your bills, reduce your debt, and increase your savings.

Securely Connect Accounts
Securely Connect Accounts

Budgets are hard to stick to, especially if the software you use adds friction to the process. Splurge makes guilt-free-spending easy by securely linking to your bank and credit card transactions, providing a simple user interface, and learning from you as you use it. Budgeting has never been easier!

Frequently Asked Questions

Important information about the service.

Security?
Expand

Splurge utilizes multiple industry standard practices for securing the service. All connections are encrypted and signed with the highest-grade 256bit encryption and certificates. This includes traffic between browsers and the Splurge servers and among the Splurge server processes themselves. Fine-grained role-based-access-control (RBAC) is utilized within the database to limit access to customer data. No server processes are directly exposed to the internet. Finally, the only data Splurge stores is transactions and current balance.
Splurge never has access to your bank account login information.

Countries Supported?
Expand

Splurge utilizes Plaid and therefore can connect to any bank that Plaid supports. For the full list of supported countries see the link below. Any country that has the "Transaction" product is supported by Splurge.

Plaid country support

Plaid?
Expand

Plaid is an industry standard financial data broker. It is used by many other financial services including Venmo and several other budgeting applications including YNAB* and Simplifi*. When you connect a bank account on Splurge you are actually connecting Plaid to that account and then Plaid gives Splurge updates on your transactions and balances. Splurge never directly receives any account credentials. All communication between Plaid and Splurge utilize the highest level of encryption. Learn more about Plaid here: Plaid Consumer Information

Privacy?
Expand

Splurge is a budgeting application, nothing more. We do not sell or otherwise profit from your data or account information.

AI/ML?
Expand

Artificial Intelligence and Machine Learning (AI/ML) are seemingly everywhere these days. It is important for you to know how Splurge utilizes these tools. The AI engine within Splurge is meant for one reason only: to reduce your effort in categorizing transactions. Critically: the AI trained by your actions on Splurge is only for YOU. It will only be used by you, and is only trained by your own actions and data. It is stored securely in the production database and can only be accessed by your account. We will never sell or otherwise profit from any of the AI/ML models trained using your data.

Bank Connection?
Expand

Splurge accounts are completely free, with no limits on the number envelopes (stacks), transactions, or accounts. The only thing we charge for is connecting your bank accounts. One bank connection allows you to pull in all accounts from that bank!
Example: You have a checking account, savings account, and credit card at Wells Fargo*. With one bank connection you can pull in all three accounts.

Pick the best plan for you:

Splurge accounts are always free with no limits on envelopes/stacks or accounts.
The only thing you (optionally) pay for on Splurge is bank connections!
Always Free
Manual entry

Free 


Included
Unlimited Envelopes
Included
Unlimited Accounts
Included
Unlimited Funding Plans
Included
Unlimited Transactions
Included
Manual Entry
Pay-as-you-go
Per bank connection

$1 / connection / month


Included
Everything from Free
Included
Automatic import of transactions
Included
Access all accounts at each bank
Included
Max of $6 / month
Unlimited Yearly
Up To 17% savings!

$5 / month


Included
$60 billed annually
Included
Everything from Pay-As-You-Go
Included
Up To 2 months free! (vs. Pay-As-You-Go)
*All trademarks, logos and brand names are the property of their respective owners.
All company, product and service names used in this website are for identification purposes only.
Use of these names,trademarks and brands does not imply endorsement.
© 2025, Splurge Budget LLC