SWS Budget

Free budget software built around real household paychecks.

Free budget software for families and households. SWS Budget is a free online budget planner for paycheck budgeting, bills, subscriptions, savings, debt payoff, sinking funds, and cash envelopes. No subscription, trial, or credit card required.

Free forever with no subscription, trial, or credit card
Online paycheck-by-paycheck and zero-based budget planning
Shared household funds, sinking funds, accounts, and savings
Bill calendar, subscription planning, debt payoff, and cash envelope tools