Budgeting for households
Stop guessing who spent what.
Tired of screenshotting receipts back and forth, and squinting at ‘SQ *LUNA BAKERY 4471’ to figure out what it even was? Upload a statement instead: Mitten decodes every transaction and turns it into one shared budget, no bank login needed.
Free for 7 days. Cancel anytime before then.
- No bank login, ever
- Bank level encryption
- Cancel anytime
Hi, I'm Penny
Dining out
$84 leftAn example household ledger for July, kept by Sofia and James. Two charges are already filed: a weekly shop at 64 dollars 20 on Saturday the 12th under groceries, and a charging pass at 42 dollars on Friday the 11th under transport. Under them, Bakery Luna at 8 dollars 60 from this morning, which Penny proposes moving from uncategorized to dining out at 92 percent confidence, with a confirm waiting beside it. The month has 418 dollars 50 left to spend, about 13 dollars 95 a day until August 1, and the dining out envelope that charge belongs to has 84 dollars left after 136 dollars of 220 spent.
Penny reads the statement so nobody else has to.
Every bank uses a different shorthand on its statements, and none of it was written for you. From there to one shared budget is three steps.
Hand her a statement.
Drop in a PDF statement from your bank, or a CSV export. That's it: no passwords, no linking, no waiting on a sync that might not even work. See which files work.Watch her sort it out.
She works through the whole file, one line at a time. When a charge could go two ways, she asks instead of guessing.Three statement lines as Penny leaves them. TGT 00043 MPLS MN is read as Target and filed under groceries at 97 percent confidence. POS DEBIT MTA VENDING 8812 is read as Metro Transit and filed under transport at 91 percent confidence. AMZN MKTP US 2K4LM9 is read as Amazon and left unfiled, with Penny asking whether it belongs in groceries or shopping.
Everyone sees the result.
No more ‘wait, what did we spend on takeout this week?’ The whole household looks at the same budget, the moment Penny's done.
Where the money goes, and when the debt ends.
Both answers come straight out of the statements you already upload, and both sit on one screen the whole house can open.
The same numbers, on everyone's screen.
An example household's July envelopes, shared by Sofia and James: groceries at 312 dollars spent of 400, transport at 62 of 180, and kids' stuff at 46 of 120. Every bar is marked at day 13 of the 31 day month, and 280 dollars are left across the three.
A date, not just a balance.
The same household's payoff plan, ordered highest interest rate first: a store card at 24.9 percent APR with 840 dollars left, paid off February 2027; a Visa at 22.9 percent with 4,180 dollars, paid off November 2027; and a car loan at 7.4 percent with 6,900 dollars, paid off March 2029. At 460 dollars a month that clears the household in March 2029, and the same plan can be reordered to pay the smallest balance first.
Mitten vs. everything else you've tried.
Not just other apps: the spreadsheet and the shoebox of receipts too.
The table scrolls sideways to the other columns.
| What you are comparing | Mitten | Other budgeting apps | Manual tracking (spreadsheet, notebook) |
|---|---|---|---|
| Bank login required | No. Upload a statement instead. | Yes, almost always | No, but no automation either |
| Time to categorize spending | Minutes. Penny does it and asks when unsure. | Minutes, but often mis-files without asking | Hours, and it's all on you |
| Everyone in the household sees it | Yes, one shared view | Sometimes, often per-person accounts | Only if someone remembers to share the file |
| Debt payoff plan | Included, no extra tier | Usually a paid add-on or missing | You'd have to build it yourself |
| What it costs | $12/month, whole household | $12 to $20/month, often per person | Free, but costs you hours every month |
Always in the loop
Here's exactly what to expect.
No bank login means Mitten never has read access to your accounts, only what you choose to upload, when you choose to upload it. Your 7-day trial gives you full access at $0. We'll send a friendly heads up on day 5 so nothing about day 7 is a surprise, and if Mitten isn't the right fit, you're covered by a 14-day money-back guarantee after that. Altogether, that's 21 risk-free days to see how it feels for your household.
- No bank login, ever
- Bank level encryption
- Cancel anytime
- 21 risk-free days
“I'm not a bank, and I never wanted Mitten to act like one. You decide what it sees, every time you upload. That's not a policy, it's the whole design.”
Quick questions, quick answers.
Do you ever connect to my bank account?
What happens during the 7-day trial?
Can I cancel anytime?
This could be the last confusing statement you ever get.
One upload, one shared budget, $12/month for the whole household. No tiers, ever.
Free for 7 days. Cancel anytime before then.
