Budgeting after the fact, and a portfolio view, over one set of accounts.
Puffin syncs a household's bank, card and brokerage accounts, categorises what came through, and shows each month as a pool of cash spent down against fixed bills, flexible targets and savings funds.
Sign in to Puffin
The month is the unit
Each month opens with the cash it has, spends from that pool, and closes with a reconciliation that has to balance before the next one starts.
No pre-planning
Transactions are recorded as the institution posted them, never edited. You categorise after the fact, and most of that is done for you with anything uncertain waiting in a review queue.
Funds are real money
Savings funds are envelopes over actual balances, so a vacation fund or a tax fund is cash that has been set aside, not a number on a plan.
One household, shared
Everyone in the household sees the same ledger and signs in with their own password and authenticator. Accounts are added by the household, not by sign-up.