Does The Better Decision forecast my cash flow?

Yes. It projects a forecast end-of-month balance for every account from your recurring income and bills, your category budgets, and what-if adjustments, so you can see whether the rest of the month still works.

Do I have to connect my bank account?

No. You import transactions from your bank by CSV or OFX, with a preview before anything is saved. There is no bank-linking requirement.

Is my financial data private?

Yes. Your data is hosted in the EU and processed under EU law, except content you send through AI features, when on, which goes to your AI provider. You can export any report to CSV or ask us for a full machine-readable copy at privacy@thebetterdecision.com, and it is never sold and never used by us to train AI.

Is The Better Decision free?

Yes. It is free while we grow, and founding members keep full access free for life.

Can my partner or household use it together?

Yes. Finances are organized per household, so several people can share one organization with clear roles and boundaries.

Does it use AI, and is that optional?

AI is optional and opt-in. Bring your own OpenAI or Anthropic key, or run it locally with Ollama. It suggests categories you accept before they are applied to a transaction, and proposes seasonal forecast adjustments you can accept or dismiss. Nothing changes without your action. There are hard spend caps and a full audit trail.

Everything in The Better Decision

Budgeting and cash-flow forecasting in one calm app, EU-hosted, for normal people. Here is what it does today.

See clearly

Auto-categorization that learns from your edits.
Import CSV or OFX from your bank, with a preview before anything is written.
Reports that group spending by category.

Plan what is coming

Forecast plans with what-if scenarios and a projected end-of-month balance.
Recurring income and bills that roll forward automatically.
Category budgets for the current period.

Together, if you want

One organization, multiple people, clear roles and boundaries.

Yours

EU-hosted and processed under EU law, except content you send through AI features, when on.
Export any report to CSV, and ask us for a full machine-readable copy whenever you want. It is never sold and never used by us to train AI.
Ask us to delete your account and all of its data, and it is gone within 30 days.

AI on your terms

Optional, opt-in AI: you accept or dismiss every suggestion, nothing changes without your action, with hard spend caps and a full audit trail.
Bring your own OpenAI or Anthropic key, or run it entirely locally with Ollama.
Hard and soft spend caps, plus a full audit trail of every call.

On the roadmap

Not built yet, but coming

Connect your finances to your own AI assistant over MCP, with every change confirmed before it runs.
A hosted AI option, opt-in and consent-gated, as an alternative to your own key.

Frequently asked questions

Does The Better Decision forecast my cash flow?
Yes. It projects a forecast end-of-month balance for every account from your recurring income and bills, your category budgets, and what-if adjustments, so you can see whether the rest of the month still works.
Do I have to connect my bank account?
No. You import transactions from your bank by CSV or OFX, with a preview before anything is saved. There is no bank-linking requirement.
Is my financial data private?
Yes. Your data is hosted in the EU and processed under EU law, except content you send through AI features, when on, which goes to your AI provider. You can export any report to CSV or ask us for a full machine-readable copy at [email protected], and it is never sold and never used by us to train AI.
Is The Better Decision free?
Yes. It is free while we grow, and founding members keep full access free for life.
Can my partner or household use it together?
Yes. Finances are organized per household, so several people can share one organization with clear roles and boundaries.
Does it use AI, and is that optional?
AI is optional and opt-in. Bring your own OpenAI or Anthropic key, or run it locally with Ollama. It suggests categories you accept before they are applied to a transaction, and proposes seasonal forecast adjustments you can accept or dismiss. Nothing changes without your action. There are hard spend caps and a full audit trail.

Wondering how it stacks up? Compare The Better Decision with YNAB, PocketSmith, Monarch, and spreadsheets.

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