VYR-FREE-BUDGET-01 · free · a TrueNET product

Free Budget Planner — with the way out of debt

See where your money goes each month, what's quietly leaking out, and the fastest way to be debt-free — snowball and avalanche side by side. Free. No bank login. Nothing leaves your device.

Get it freeOpens the planner. No account, no card, no email.

What makes this one better

• Free, with no clock. YNAB is $14.99 a month or $109 a year with no free tier; Monarch is $14.99 a month; EveryDollar Premium is $79.99 a year (getfinny.app, toolradar.com, envelopebudgeting.com, 11 Nov 2026).
• No bank login. You don't hand anyone your bank password. You type the numbers; they stay on your phone or computer.
• Snowball and avalanche, side by side. Your debt-free date and total interest both ways, how much one saves over the other, and what minimums-only would cost you CALCULATED, plus the month-by-month schedule.
• A leak check. Subscriptions, bank fees and interest added up for the year — the number that makes people cancel things.
• Real paychecks. Weekly, every two weeks, twice a month, monthly or yearly — turned into one honest monthly number, plus a line for once-a-year bills so they stop ambushing you.
• Prints clean. Save it as a PDF for the fridge, a spouse or a counselor.

What you get

• The budget planner — money in, money out, needs / wants / savings split
• The leak check — subscriptions, fees and interest, yearly
• The debt payoff planner — avalanche vs snowball vs minimums only, with a month-by-month schedule
• The free companion guide (PDF): how to build the budget, both payoff methods with a worked example, and a leak checklist

Where it leads next

• LeakReceipts at Home — the free Starter checks household statements for leaks.
• Retirement Savings Calculator and Compound Interest Calculator — free tools coming to the VyRal shelf.

Ask Vera about thisVera answers questions about any VyRal product, 24/7.