Build your budget. Let Fred do the work.

Start with a question or tell Fred what you want to do. He researches the costs, rules and timing, using the finances you keep in deezbills and asking for what’s missing. See how a choice would affect your bills, savings and other plans before deciding.

Then ask him to put the agreed plan in place. He can organize accounts and Spaces, build budgets, manage income and recurring expenses, set up goals, record expenses and save plans. He can also find financial details in connected Gmail and make sense of statements and receipts. You can see the changes he made and pick up from the saved plan next time.

Changes happen inside deezbills. Fred does not move money at your bank or place investment trades.

You set the priorities and review the changes Fred proposes. Ask him to explain the numbers, compare options or adjust the plan before approving.

Tell Fred about your situation, upload statements and receipts, or add records yourself. You can also connect Gmail and enable automatic expense detection, or forward bills and receipts to your private deezbills forwarding address.

No bank login is required. You choose what to share and which optional connections to enable. Your financial picture reflects the records you provide; it is not a live bank feed.

Tell Fred what changed. A new income, daycare bill or priority can affect the rest of your plan. He helps you work through it using the finances and plans you’ve already saved.

You can compare other options and ask Fred to make the changes you approve. Your budget also estimates the before-tax income needed to sustain its planned spending using your tax settings, so you can see what the lifestyle in your plan requires.

There is no automatic YNAB account migration. Start with your current balances, income, bills and goals, and bring the relevant records to Fred.

Review your financial records with Fred before relying on the plan. You can try deezbills before deciding whether to replace your existing setup.

The everyday finance tools come included: unlimited budgets, automatic and manual expense tracking, recurring expense detection and management, and categorization that learns from your corrections.

You also get income and wealth tracking, income and tax tools, clear financial health charts, goals organized by priority or in a dreamboard, and shared Spaces for household finances. Use the tools directly or ask Fred to work with them. They’re there to help you manage everyday finances and work towards the life you want.

Wealth tracking uses your recorded assets and debts; live investment holdings tracking is not currently available.

Plans have different Fred usage allowances and Gmail connection limits. See plans and pricing for the current terms.

YNAB’s availability, bank imports and billing