# PearBudget

> A simple online budgeting and expense-tracking service built around the envelope system. PearBudget helps users understand their spending and plan for the future without requiring bank account access or automation.

PearBudget is a privacy-first budgeting tool that has been operating since 2003. Unlike most personal finance apps, it never requests bank login credentials or connects to financial accounts. Users manually enter their own receipts, which is intentional — the act of recording expenses builds spending awareness. The app follows the envelope budgeting method. It is available via monthly ($4.95/month) or annual subscription, with a 30-day free trial and a money-back guarantee. Over 250,000 people have used PearBudget.

## Key Principles

- **Private by default**: No bank account linking, no automated imports. Users are in full control of their data.
- **Manual receipt entry**: Intentional friction to increase spending awareness.
- **Envelope system**: A time-tested budgeting approach where spending categories act like envelopes of allocated cash.
- **Non-prescriptive**: PearBudget does not tell users how to budget — every household is different.
- **No data selling**: Revenue comes from subscriptions only. User data is never sold or shared.
- **Stable design**: The interface has remained consistent for over a decade to reduce confusion.

## Pricing

- Free 30-day trial (no credit card required)
- $4.95/month subscription after trial
- Annual subscription available
- Money-back guarantee if PearBudget doesn't help save the annual subscription cost within the first two months

## Support

- Email: help@pearbudget.com
- Help Center: https://pearbudget.com/help

## Optional

- [How do I add a new receipt?](https://pearbudget.com/help/how_to_add_a_receipt/)
- [How do I add a new category?](https://pearbudget.com/help/add_a_new_category/)
- [How do I delete a spending category?](https://pearbudget.com/help/delete_a_category/)
- [How do I carry over balances from one month to the next?](https://pearbudget.com/help/carry_over/)
- [How do I add a recurring receipt?](https://pearbudget.com/help/add_a_recurring_receipt/)
- [How do I start my budget over from scratch?](https://pearbudget.com/help/starting_over/)
- [Where is my PearBudget account?](https://pearbudget.com/help/finding_my_account/)
- [How do I change my password?](https://pearbudget.com/help/resetting_my_password/)
- [How do I cancel my subscription?](https://pearbudget.com/help/cancel_your_subscription/)
- [Terms of Service](https://pearbudget.com/terms)
- [Privacy Policy](https://pearbudget.com/privacy)