Money, the lazy way

Keep an eye on your money. Barely lift a finger.

See your accounts, net worth, bills, and savings on one simple screen. Everything you need to feel on top of things, without the spreadsheet hassle.

Get started, it's free See a live demo

Free to use. No credit card, no ads.

No bank logins. Ever.

Update balances in seconds

Export to Excel anytime

English & Français

What you get

Everything you need. Nothing to fuss with.

Net worth at a glance

All your accounts in one place. Watch your net worth move over weeks, months, or the whole year, and see how what you own stacks up against what you owe.

Lazy Update

Don't feel like logging every coffee? Just tell an account its new balance and we do the math. That's the whole idea.

Bills that pay attention

Add a bill once. LazyFinance counts down, gives you a nudge before it's due, and can automatically deduct it from the linked account when the day comes.

An emergency fund that fills up

Pick the accounts that count, set a goal in months or dollars, and watch your safety net grow.

Insights, no nagging

Simple, plain-English notes about your spending and saving. You only hear from us when there's actually something worth saying.

Your data, always yours

Nothing's linked to your bank, so there's nothing to leak. Import your bank's CSV to bring your history in, export it all to Excel whenever you want.

Be honest, how lazy?

Three tiny habits. That's the whole commitment.

1
Add your accounts

Checking, savings, cards, loans. Give each one a colour and an icon, and you're set up in a couple of minutes.
2
Update when it's easy

Log a transaction, or just tell an account its balance. Whatever takes less effort that day.
3
Glance and go

Open the dashboard, see exactly where you stand, close the tab. That's a whole finance session.

The assistant

Talk to your money. It asks before it touches anything.

Ask what you spent, or just say what happened. The assistant drafts the change as a card, and nothing is saved until you confirm it.

Every change is a card you confirm, never a silent edit.
It sees only what you allow: hide categories, keep notes private.
Optional, on the AI plan. It sees nothing until you turn it on.

Add the $34 DoorDash from last night

Here's the DoorDash order, ready to confirm. I filled in the account and category from your past orders.

Add a transaction

Amount$34.00

DateYesterday

MerchantDoorDash

CategoryRestaurants from your history

AccountVisa from your history

Added

How much is that on restaurants this month?

$212.40 so far, across 9 orders. That's about 8% more than at this point last month.

Simulated conversation. In the app, the answers come from your own numbers.

Simple pricing

Free for everyone. Pay only for the assistant.

Free

$0 USD

Free, for everyone. The full app, no time limit, no card.

Create your free account

No credit card required.

Unlimited accounts & transactions
Net-worth dashboard & charts
Budgets & categories
Bills, reminders & auto-deduct
Emergency-fund tracker
Plain-English insights
CSV import & Excel export
English & French, light & dark
No ads

LazyFinance AI

$7 USD / month

Billed monthly. Switch to yearly and save $14.

Start your 14-day AI trial

No credit card required. The free app stays yours either way.

Everything in Free
Chat with your finances in plain words
300 assistant messages a month
Privacy controls: hidden categories, private notes

LazyFinance is free. No ads, no selling your data. The AI assistant is the one thing we charge for, because every message costs us real money in tokens.

Good questions

Before you start

Do I have to connect my bank?

Nope, and that's the whole point. Bank connections sound handy, but they break all the time, sometimes for weeks, and your numbers fall behind without you noticing. So LazyFinance is manual first. You stay in control, there's nothing to breach, and your balances are only ever wrong if you say so. Lazy Update keeps it down to a few seconds.

Can I bring in my transaction history?

Yes. Import your bank's CSV export: LazyFinance figures out the format (English or French, any date style), skips rows you've already imported, and lets you fix merchants and categories before anything is saved. The file is sent to our server over an encrypted connection, parsed in memory, and never stored: we keep only the transactions you choose to import. You can try it in the live demo.

Can I cancel anytime?

Yes. Cancel the AI plan in a click and keep the assistant until the end of your billing period. Everything else in LazyFinance is free and stays available. No emails, no hoops.

Is my data safe?

Yes. We use industry-standard security to keep your data safe:

Your connection is encrypted in transit with HTTPS.
Passwords are hashed, never stored in plain text.
Optional two-factor authentication (any authenticator app) adds a second lock on your account.
Rate limiting and rotating login sessions guard against abuse.
Servers are heavily locked down, hosted with a reputable provider (OVH).
Your data is backed up automatically, multiple times a day, and those backups are kept for three months.
We never connect to your bank, so your banking logins are never at risk.
Payments are handled by Polar, a certified payment provider, so we never see your card.
And you can export all your data to Excel whenever you like.
Our web analytics are privacy-friendly (Plausible, which we self-host on our own servers): no cookies, no personal data, and it can't identify you.
The AI assistant is opt-in: it sees nothing until you turn it on, you control what it can look at, and your data is never used to train AI models.

Does AI read my financial data?

Only if you ask it to. The assistant is part of the AI plan and strictly opt-in: nothing is sent anywhere until you turn it on, and you can turn it off (and erase the conversation) any time. When you ask a question, the assistant looks at just the data needed to answer, processed by Anthropic and never used to train AI models. You can hide any category from it, and transaction notes stay private unless you say otherwise.

Can I use it on my phone?

Yes. LazyFinance runs right in your phone's browser, and you can add it to your home screen so it opens like an app, full screen with its own icon:

iPhone or iPad (Safari): tap the Share button, then "Add to Home Screen."
Android (Chrome): tap the menu (three dots), then "Add to Home screen" or "Install app."

How does the 14-day AI trial work?

Every new account gets the assistant free for 14 days, no credit card. When the trial ends, LazyFinance keeps working in full; only the assistant asks for the AI plan. Make up your mind once you've actually talked to your money for a couple of weeks.

Ready to feel on top of your money?

Set up in minutes. Stay lazy forever.