A free budgeting app that actually works.
Track your spending, set monthly limits, spot your subscriptions, and get plain-English answers about your finances — all without a credit card.
CSV import from any bank
Upload a transaction export from your bank and everything is categorised automatically. No manual entry.
Category budgets
Set monthly limits and watch live progress bars tell you where you stand before the month runs out.
Subscription tracking
Every recurring charge detected and grouped automatically — so you know exactly what you're paying each month.
AI analysis
Weekly AI summaries and a Q&A that answers questions about your actual spending data.
Spending breakdowns
See your income and expenses by category, over time, with drill-through to individual transactions.
Why Groove
The problem
Most budgeting apps lock real features behind a paywall the moment you try to do anything useful. You shouldn't need to pay a subscription to understand where your own money is going.
How it works
Groove gives you real budgeting tools — category budgets, subscription tracking, spending insights, and AI-powered analysis — with a free trial that doesn't require a credit card.
Common questions
Start tracking your spending in two minutes — no credit card needed.
Get started for freeNo credit card needed.