you already know what matters. this just holds it.
My Budget▾
Your budgets
+ new budget
Start a new budget
Pick a starting point. The income options come with common buckets and bills already named, with no dollar amounts, so you just adjust them and add your own.
Welcome to urna · budget
Let's get your first budget set up. It takes about two minutes.
1. Add your income (what comes in this paycheck or this month).
2. Add buckets to group your bills. Home. Car. Everyday. Whatever makes sense to you.
3. Add bills inside each bucket (what you owe and when it's due).
urna is free, and your plan is saved on your own device, so keep your own backups. It's a place to organize your own bills and budget, offered as-is with no financial advice.
Your income
Look at the top of the page. You'll see income sources. Type in what you actually bring home. It doesn't have to be perfect. You can change it anytime.
Tip: if your income varies, enter your best estimate for this period.
Your first bucket
You already have one bucket waiting for you. Click on it to rename it. Call it whatever makes sense. "Bills", "Home", "Car". Then add your bills inside it using + add item.
Tip: add more buckets with the + button at the bottom of the page.
Timeline
This is your bill calendar. Every bill you've added with a due date shows up here so you can see what's coming and what's already passed.
✓ Mark bills paid as they clear.
→ Skip a bill if it doesn't apply this period.
← → Navigate between pay periods with the arrows.
Timeline doesn't change your budget. It just tracks what's been paid.
Paycheck Visualizer
See which bills fit within each paycheck. Know what has to be paid and what's leftover.
Add your paychecks at the top. Name them and enter the amount.
Then assign bills to each paycheck to see if they balance out.
Important: Assigning a bill here does not add it to your budget or mark it paid. The Paycheck Visualizer is separate from your Plan. It's just for seeing the picture.
Monthly Money In
$0
Remaining$0
Allocated$0
Now
Paycheck Visualizer
Plan your bills across your paychecks and any other income sources for the period. Clear at the end of each cycle. It doesn't affect your plan or timeline.
Overview
Sinking Funds
Savings
Debts
Settings
Love urna?
For $1 a month, support the work of providing free budget software to those who need it.
Bills without a due date will appear on this day each month. (if you choose the 29th or 30th, February will use the 28th instead)
st
Upcoming Window
Bills due within this many days will be flagged as "soon" in your timeline.
days
Overdue Lookback
How many days back the timeline shows unpaid bills when overdue items exist.
days
Automatic Drafts Marked as Paid
Automatically mark autopay bills as paid when their due date arrives.
Savings Tab
Shows a simple savings tracker tab. You don't need to turn this on until you're ready — it's here when you are.
Sinking Funds
Adds a Sinking Funds tab for the across-month pots a monthly budget can't hold. Turn it on when you're ready.
Debts
Adds a Debts tab to track balances, APRs, and minimum payments, including debts that aren't in your plan.
Account
Profile & Login
Your sign-in and account.
›
Free Plan
2 budgets · 5 buckets · 25 items per budget. Upgrade for unlimited budgets, line items, and sharing.
Payment Info & Billing
Card on file, billing history, cancel subscription.
›
Export Budget
Download your budget as a CSV, or save a visual snapshot as a PDF.
Payment Info & Billing
Payment Method
Credit card on file for Pro plan. Managed via Stripe.
Soon
Billing History
Past receipts and invoices. Pulled from Stripe customer portal.
Soon
Cancel Subscription
Cancels Pro at end of billing period. You keep your data; excess budgets beyond the free limit are preserved but locked until you resubscribe.
›
Cancel Subscription
Profile & Account
Profile
Login & Security
Signed in with Google
Google secures your sign-in. urna never sees your password and keeps only what is needed to sign you in.
Danger Zone
Reset All Data
Wipes all budgets, bills, history, and notes. Cannot be undone.
›
Delete Account
Permanently removes your account and all data. Cannot be undone.
›
Budgets
Reset everything?
This wipes all budgets, bills, history, and notes. It cannot be undone.
Are you sure?
Type reset below to confirm. This is permanent.
Delete your account?
This permanently removes your account and all your data. It cannot be undone.
Are you absolutely sure?
Type delete below to confirm. Your account and all data will be permanently removed.
Bucket name
Allocated
$0
of income
—
Color
Amount
$
Due Date
Monthly · tap to change›
Display as monthly cost — your bucket totals and percentages will show the monthly portion of each bill, so you can see what amount to actually set aside each month. Open any bill to see its full amount.
Autopay
Groups this bill on your Overview.
This is a debt
How far back this bill shows on your timeline. Defaults back 30 days from the day the bill was initially added.
Add Items
Name Your Own
Or pick common ones
You've filled your ūrṇā buckets.
The free plan includes 5 buckets and 25 items per budget. Upgrade for unlimited budgets, buckets, and line items.
Unlimited budgets, buckets & items
Share budgets with a partner or accountability person
Export to Excel — your full budget & payment history
Priced low on purpose — built for the people who need it
$12
per year
billed annually · cancel anytime
Payments processed via Stripe. No bank access. No auto-renew surprises.
urna is free and offered as-is, with no warranty. it helps you organize your own bills and budget and does not provide financial advice. keep your own backups.