Every dollar.
Every life stage.
Billbundler connects to every account through Plaid and quietly bundles your bills, payroll, investments and everyday spending into a budget that actually fits the life you're living right now.
Net flow · this month
$3,142.18
Bills
$2,481
Invested
$1,300
Free
$842
live snapshot · refreshed 6 min ago
Connects to 12,000+ institutions via Plaid
§ 01 — Method
A ledger that thinks, not a spreadsheet that nags.
QuickBooks was built for accountants. Billbundler is built for the person living the budget — with the rigor of double-entry and the warmth of a good notebook.
I.
Bundle
Link every checking, credit, brokerage and loan account in under three minutes. Plaid, encrypted, read-only.
II.
Map
We categorize every inflow and outflow — payroll, rent, daycare, dividends — and watch the rhythm of your money.
III.
Budget
A best-in-class plan calibrated to your income, fixed bills, debts and the life stage you're actually in.
IV.
Glide
Auto-rebalance allocations, surface drift, and forecast 12 months ahead so nothing surprises you on the 1st.
§ 02 — Stages
The budget that grows up with you.
Slide through five life stages. Every plan is calibrated to real income bands and the bills that actually show up.
Stage 03
Family era
Childcare, mortgage, 529s. The budget that flexes with the chaos.
Needs
50%
Wants
20%
Invest
20%
Cushion
10%
§ 03 — Capabilities
Everything QuickBooks does, none of the things you hated about it.
Bill bundling
→Every recurring charge in one view. Pause, negotiate, or kill it with one click.
Payroll-aware
→Whether W-2, 1099, or both — we read your paystubs and forecast taxes.
Investment sync
→Brokerage, 401(k), Roth, crypto. Asset allocation and drift in real time.
Debt strategy
→Avalanche, snowball, or hybrid. We model payoff dates down to the dollar.
Couples mode
→Shared bills, separate goals, joint forecast. Without the awkward Sunday meetings.
Tax-ready
→Categorized exports your CPA will actually thank you for. April becomes boring.
“I cancelled QuickBooks, Mint, two spreadsheets and a budgeting Substack. Billbundler does what all of them pretended to.”
§ 04 — Pricing
One flat fee. No upsells.
Less than a single late fee. Cancel any time — your data exports cleanly.
Solo
For one person, all accounts, full budgeting engine.
$9/mo
- Unlimited Plaid links
- 12-mo forecasting
- Tax-ready exports
Most chosen
Household
For couples & families. Joint dashboards, separate goals.
$16/mo
- Everything in Solo
- Couples mode
- Kid sub-accounts
Owner
Side-hustlers & freelancers. Personal + business in one ledger.
$29/mo
- Everything in Household
- 1099/Schedule C
- Quarterly tax pings
§ 05 — Questions
Honest answers.
Is my financial data safe?+
Plaid handles the connection — we never see your bank passwords. All data is encrypted at rest and in transit. We do not sell, share, or analyze your data for ads.
How is this different from Mint or Monarch?+
We're built around bills and life stages, not just transaction lists. The budget engine adapts as your income, household and goals change.
Can I export my data?+
Anytime, in CSV or Excel, fully categorized. If you cancel, you get a one-click full archive.
Do you support business accounts?+
Yes — the Owner plan handles 1099 income, Schedule C categories and quarterly tax estimates alongside your personal budget.
Bundle your bills.
Unbundle your stress.
30 days free. No card required. Three minutes to your first dashboard.