Neptune: the personal finance and budgeting app that shows where your money is going
A calmer way to track spending, build a budget, and make more confident money decisions. Ad-free, private, and free to start on web, iOS, and Android.
The whole picture, without the spreadsheet
Neptune takes the repetitive parts of money management off your plate, so you can focus on what matters.
Everything in one view
Bring your accounts together and see balances, recent activity, and what changed at a glance.
Budgets that keep up
Spend with context. Every category shows what is safe to spend and what needs attention.
Answers without the digging
Ask a simple question and get a helpful explanation of your recent money activity.
Your complete money view, on the web
When you want to dig deeper, Neptune's web dashboard gives every account, category, transaction, and trend the room it deserves.
- A dashboard that makes trends obvious
- Transactions and upcoming bills in one place
- The same calm experience across every device
A budget that tells you what to do next
See the signal in your spending. Neptune keeps income, bills, goals, and category budgets in one calm, useful view.
- See what is available before you spend
- Find the patterns behind your transactions
- Stay on top of every account, automatically
Why Neptune
Your data stays yours
Neptune never sells your financial data or uses it for advertising.
Web, iOS, and Android
One account, every device. The same calm experience whether you're on a phone or a laptop.
Ad-free, always
No ads, no data brokering, no distractions. Neptune earns from subscriptions, not attention.
Free to get started
Create your account and connect your first bank for free. Upgrade only when you need more.
Learn how to budget
Free guides to help you take control of your money.
- How to Make a Budget - A step-by-step guide for beginners.
- The 50/30/20 Rule - Split your income into needs, wants, and savings.
- AI Budgeting App - How Neptune answers questions about your money.
- Best Budgeting Apps 2026 - Neptune vs Monarch, YNAB, Copilot, and more.
- Best Mint Alternatives - The free, ad-free replacement for Mint.
- How to Track Your Net Worth - Assets minus liabilities, tracked automatically.
Get started today
It only takes a few minutes to get a clearer picture of your money. Private by default. Syncs with your bank. Built for real life.
Frequently asked questions
Is Neptune free?
Yes. Neptune is free to download and free to start. You can create an account, connect a bank, and track your spending, budgets, and net worth without paying. Paid plans add more connected institutions, shared households, and deeper AI insights.
Is Neptune a budgeting app or a personal finance app?
Both. Neptune is a personal finance and budgeting app. It tracks your spending, builds budgets by category, follows your net worth, and watches recurring bills, all in one place.
Does Neptune use AI?
Yes. Neptune categorizes transactions automatically and includes an AI assistant that answers questions about your money in plain English, like where your money went last month or whether you can afford a purchase.
Is my bank data safe with Neptune?
Yes. Neptune connects to your bank through Plaid, so it never sees or stores your bank login. Your data is encrypted in transit and at rest, and is never sold or used for advertising.
What devices does Neptune work on?
Neptune works on iPhone, Android, and the web. One account syncs across all of them, so your budget is always up to date.
How do I get 33% off?
Subscribe on the web at neptunebudget.com and enter code NEPTUNE33 at checkout to take 33% off your first 12 months. The discount applies to web subscriptions, not in-app purchases.