Private beta · Invite only
Every euro has a job.Zero-based budgeting made simple. I Know I Got Money helps freelancers, families and small businesses allocate every unit of income before it's spent — across multiple currencies, workspaces and time periods.
Everything you need to budget with confidence Built around the zero-based method — designed for real-world complexity.
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Envelope budgeting
Allocate every unit of income to a named envelope. Know exactly where your money is — before you spend it.
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Bill tracking
Schedule recurring bills, see what's due this period, and never be caught short by a surprise payment.
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Multi-workspace
Separate workspaces for personal, family and business finances — all under one login.
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Multi-currency
Live FX rates, per-envelope currencies, and cross-currency reconciliation built in.
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Income forecasting
Track salaries, freelance invoices and variable income across periods. Know what's coming in.
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Debt management
Track loans, mortgages and liabilities alongside your budget. See the full picture.
How it works 1
Record your income
Add your salary, freelance payments and any other income for the period.
2
Allocate to envelopes
Assign every unit of income to named envelopes — rent, groceries, savings, fun money.
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Track and close
Log transactions as you spend. Close the period with a reconciliation check.
Simple, transparent pricing Start free. Upgrade when you need more.
Monthly AnnualSave 18%
EUR USD GBP HUF
Free
Free
Get started with zero-based budgeting at no cost.
✓ 1 workspace ✓ 5 envelopes ✓ 30 transactions / month ✓ 3 months of history ✓ Manual envelope targeting Get started Most popular
Individual
The full toolkit for your personal finances.
✓ 1 workspace ✓ Unlimited envelopes ✓ Unlimited transactions ✓ Multi-currency support ✓ Income forecasting ✓ Smart envelope targeting ✓ Bank statement import Start free trial Family
Budget together with your household.
✓ 1 workspace ✓ 2 invited users ✓ Unlimited envelopes ✓ Unlimited transactions ✓ Multi-currency support ✓ Income forecasting ✓ Smart envelope targeting ✓ Bank statement import Start free trial Freelancer
Multiple workspaces for clients and personal use.
✓ 3 workspaces ✓ 2 invited users ✓ Unlimited envelopes ✓ Unlimited transactions ✓ Multi-currency support ✓ Income forecasting ✓ Smart envelope targeting ✓ Bank statement import Start free trial Business
Full financial control for your whole team.
✓ 3 workspaces ✓ 5 invited users ✓ Unlimited envelopes ✓ Unlimited transactions ✓ Multi-currency support ✓ Income forecasting ✓ Smart envelope targeting ✓ Bank statement import ✓ Priority support Start free trial Prices exclude VAT where applicable. All paid plans include a 14-day free trial.
Ready to take control of your money? Currently in private beta. Request access and we'll be in touch.
Request early access →