Do I have to connect my bank?

No. Fred never asks for a bank login or your statements. Your budget is built entirely from your answers, so there is nothing to connect, import, or upload.

Can I make a budget without a spreadsheet?

Yes. That’s the whole idea. No spreadsheet. No blank page. No formulas. Just answer a few simple questions and Fred builds your budget for you.

What if I'm bad with money or have never budgeted?

Perfect. This was built for people who feel overwhelmed by money. Fred asks simple questions, handles the hard part, and turns everything into a clear plan.

Yes. Your budget is free to build and review. No account needed. deezbills becomes paid only if you want ongoing tracking, your live safe to spend number, and day-to-day guidance.

Does it work where I live?

Yes, across Canada and the US. Fred uses your province or state’s tax rules and local cost data to build around where you actually live.

Can my partner and I budget together?

Yes. Couples get one shared budget built around both incomes, shared expenses, and your life together.

Fred starts with careful estimates based on your answers and real local cost data. Change any answer and your budget updates instantly.

What happens after my budget is built?

You see your full budget for free. If you want to save it, create an account. From there, deezbills helps you keep it current and shows what’s safe to spend day to day.

Free budget generator

Fred builds your budget. You get peace of mind.

Answer a few quick questions and get a personalized monthly budget built around your life. Simple. Clear. Actually usable.

No bank linking required.

Budgeting shouldn’t feel like homework.

If making a budget has always meant spreadsheets, bank statements, and hours of mental effort… no wonder you’ve avoided it. That’s not a discipline problem. It’s just exhausting.

Tell Fred about your life. He builds the plan for you.

A plan built by Fred

A complete monthly budget Fred built for a renter in Toronto, with categories like housing, car payment, groceries, transportation and more, each sized to their income.

A real budget Fred built for a renter in Toronto, using just a few answers. Yours is built around real life, your home, your household, your car, your pets, and everything else that makes your life yours.

How it works

Tell Fred about your life. He handles the money part.

Tell Fred about your life

Just the basics: where you live, what you earn, and what life looks like at home.

Fred builds your budget

He uses your answers, local costs, and real take-home pay to build a plan that fits.

Review your plan

See your full plan for free. Adjust anything you like, then put it into action with deezbills.

Why it’s good

Simple on your side. Serious underneath.

Built for your life, not a template

No generic categories. Fred builds around your actual life, so your budget feels personal from day one.

Built on real local prices

Fred looks up what things actually cost where you live, so your numbers reflect your area, not a generic national average.

Real take-home, not a guess

Fred calculates from your actual take-home pay, using current tax rules in Canada and the US. Even parental leave income is handled properly.

Honest by default

If your real budget costs more than you bring in, Fred shows the gap. No fake math. No pretending.

Made for real life

Whatever your life looks like, Fred has a plan for it.

Couples sharing one budget.

Parental leave.

Between jobs.

Income that changes month to month.

Fred asks what’s true for your life and builds from there. Like sitting down with someone who really gets it, only faster, simpler, and free.

Common questions

Where your numbers come from

Your budget starts with your real take-home pay, calculated using current Canadian and US tax rules. From there, Fred looks at what things typically cost where you live and builds around the parts of life that apply to you. Every number comes from one of three places: your answers, real local data, or a careful estimate when needed. It’s a smart starting point you can adjust anytime.

Let Fred build yours.

Answer a few questions and see your budget for free. No spreadsheet. No bank linking. No account required.

Spend today. Build tomorrow.