See where your money actually goes, and where it's headed.
A&O Budget puts your whole month on one screen. Project your budget months or years out with one click. You don't log in to your bank, and your numbers stay on your own computer.
A clear monthly plan, without the bank login
Most budget apps want your bank password and $80 to $110 a year. A&O Budget does the planning and projections with a file you download from your bank, and it keeps everything on your computer.
Start from one bank file
Download your transactions from your bank's website as a CSV file (a plain spreadsheet file most banks offer), drop it in, and see where the money went. Or type your numbers in yourself.
Your monthly budget
Income, bills, and spending on one screen, so you know what's left before the month starts.
Look ahead
Project months or years out with one click. See where you'll be if nothing changes, and what a change does to it.
Debt payoff plan
Pick which debt to pay first and see the month each one is gone.
Savings goals
Set a goal, see the date you'll hit it, and keep going after the debt is paid off.
Your history
Past months and years stay put, so you can compare this March to last March.
What you can count on
- No bank login. We never ask for it.
- Your data stays with you. It's saved to your own computer, not our servers.
- No ads, no upsells. If a feature doesn't help you see or fix your budget, it doesn't go in.
- Free to start. The core budget is free. Paid plan pricing comes at launch.
What it doesn't do yet
- It doesn't connect to your bank automatically. You bring in a file when you want to update.
- There's no phone app yet. It runs in your web browser.
We'd rather tell you up front than have you find out later.
A&O Budget is the first app in A&O Life, a set of focused apps built the same way: simple, private, and fairly priced.
Same three steps, whether it's a budget or a closet
Analyze
See what's really happening, not what we think is happening. Where does the time, money, or effort actually go?
Optimize
Cut what doesn't help, stop doing the same work twice, and set things up so the everyday part is easy.
Improve
Check back, listen, and fix our side when we get something wrong. Tell us, and we'll tell you when it's fixed.
Hands-on help getting your home or office in order
Misty comes to you and works alongside you. She sets the space up so it's easy to keep up, brings the containers, dividers, and labels, and labels everything so anyone can find it.
Homes
- Closets and rooms
- Garages and storage
- Paperwork and filing
Businesses
- Desks and workspaces
- Offices and filing systems
- Setting up the workflow so things land where they belong
To book, email Misty at misty@analyzenoptimize.com.
Built by people who cut waste for a living
We started Analyze & Optimize in 2022 with one goal: help people spend less time, money, and effort on everyday life, and skip anything that doesn't add real value.
Nick
Nick spent 20+ years in manufacturing and engineering, finding wasted time and money in how work gets done and cutting it out. A&O Budget applies the same habit to a household's money.
Misty
Misty does the hands-on organizing. She works in people's homes and offices and builds systems simple enough to keep up after she leaves. She's also Vice President of Dogtree Pines Senior Dog Sanctuary.
Email us. A real person answers.
A&O Budget and launch news
Want to know when it's ready? Send a one-line email and we'll let you know.
Organizing
Tell Misty what space you'd like help with and roughly where you are.