✦ just visiting
LVL 1
0 XP
◉ 0
✦ reminders
no upcoming reminders ♡
TEXT
VIEW IN
○ loading...
✦ ✧ ♡ ✧ ✦
Girl Budget
[ money management for girls who mean business ] ♡
period
from
to
income this month
$3,200.00
April
spent this month
$14.49
April
saved this month
$3,185.51
April
avg monthly income
$3,200.00
this month · 1 mo
avg monthly spend
$14.49
this month · 1 mo
avg monthly saved
$3,185.51
this month · 1 mo
You spent 90% less on Food this month than usual. Whatever you're doing, it is working ♡
Your biggest transaction this month was Spotify at $9.99 — that's 69% of your total monthly spend.
You're saving 100% of your income on average. That puts you ahead of most people — the recommended minimum is 20% and you're hitting it.
2026-04-20
-$9.99
2026-04-20
-$4.50
2026-04-20
+$3,200.00
2026-03-19
-$1,200.00
2026-03-19
-$87.40
EntertainmentFood
TUESDAY, APRIL 21
What is 'negative equity'?
answer to unlock today's fact ♡
loading globe...
make this recurring
tap a common expense to pre-fill, then adjust and save ♡
export a statement from your bank and drop it here — works with most major banks ♡
drop your CSV here
or click to browse · supports most bank export formats
how to export: most banks → Accounts → Download / Export → CSV or Spreadsheet format
take a photo of any receipt and claude will read it for you ♡ available with Girl Budget PRO
drop receipt photo here
or click to browse · jpg, png, webp, heic
✦ reading your receipt ✨
✦ found on receipt
✦ how this works
① log a few months of transactions — manually or by importing a bank CSV
② hit scan — Girl Budget looks for charges with the same name & amount repeating on a pattern
③ review the results — mark things you know about, flag forgotten subscriptions to cancel, or set a reminder
tip: works best once you have 2+ months of transactions ♡
detected subscriptions & recurring charges
hit scan to detect recurring charges ♡
📱 = known service
🔄 = detected pattern
🤔 = possible match
✦ confirmed recurring
transactions you toggled "make this recurring" on when logging
none yet — toggle "make this recurring" when adding a transaction ♡
✦ bill reminders
get notified when a bill is due this month
no reminders set ♡
add a reminder
✦ transaction log
5 transactions
| date | description | category | amount | |
|---|---|---|---|---|
| 2026-04-20 | Spotify | Entertainment | -$9.99 | |
| 2026-04-20 | treatCoffee Shop | Food | -$4.50 | |
| 2026-04-20 | Salary | Salary | +$3,200.00 | |
| 2026-03-19 | Rent | Housing | -$1,200.00 | |
| 2026-03-19 | Groceries | Food | -$87.40 |
total in
+$3,200.00
total spent
-$1,301.89
net
+$1,898.11
transactions
5
♡
✎
your friend code
...
1️⃣
copy your link below
2️⃣
send it to a friend
3️⃣
you both get PRO free for 30 days ✨
your referral link — click to copy
...
enter a friend's code to connect and cheer each other's goals ♡
📈
challenge your friends to an investing simulation — pick stocks, watch the market play out, learn what real market events do to your portfolio ♡
✦ your friends' goals
answer today's trivia to appear on the leaderboard ♡
no cheers yet — mark your goals as shared so friends can cheer you on ♡
create a shared household with your partner or roommate — combine your finances, set joint budgets, and work toward shared savings goals ♡
create a new household
join with an invite code
you have $1,100.00 unallocated each month — that is 34% of your income. consider adding it to a savings goal or a new budget category.
✦ your spending categories
personalised to your life — not one-size-fits-all
suggested budgets
Housing (update)
$960.00/mo
30% of income guideline — rent, utilities, internet
tap to apply ✦
Transport
$256.00/mo
commuting, fuel, or transit
tap to apply ✦
Health
$160.00/mo
gym, pharmacy, appointments
tap to apply ✦
Beauty
$128.00/mo
haircuts, skincare, nails ♡
tap to apply ✦
Shopping
$192.00/mo
clothes, homewares, purchases
tap to apply ✦
Entertainment (update)
$128.00/mo
streaming, nights out, activities
tap to apply ✦
Treats
$96.00/mo
spontaneous treats — non-negotiable
tap to apply ✦
✦ PRO — upgrade to get AI-personalised budget recommendations based on your profile & quiz ♡
monthly income
$3,200.00
savings commitments
-$450.00
budgeted spending
-$1,650.00
unallocated
+$1,100.00
✦ your money personality
👑
LIFESTYLE SPENDER
based on your quiz answers
tips for you ♡
☕
Your café habit adds up fast — try a "one coffee out, one at home" rule to cut spend by 50% without giving it up entirely.
🥂
Your social life is active — suggest lower-cost hangs like dinner at home or free events so you can keep showing up without overspending.
👗
Create a dedicated clothing budget each month — it gives you permission to spend on style without the post-purchase guilt.
✦ the girl budget rule
save before you spend — even $20 counts. automate it on payday so it happens before your brain has a chance to redirect it. the amount matters less than the habit ♡
answer 10 quick questions and we'll match you with side hustles that actually fit your life, skills, and schedule ♡
how well did you stick to your budgets each month? ♡
Apr 2026🟢 under budget
$14.49
of $1,650.00 budgeted
saved $1,635.51 ✨
▶ by category
Housing$0.00 / $1,200.00
Food$4.50 / $400.00
Entertainment$9.99 / $50.00
Mar 2026🟢 under budget
$1,287.40
of $1,650.00 budgeted
saved $362.60 ✨
▶ by category
Housing$1,200.00 / $1,200.00
Food$87.40 / $400.00
Entertainment$0.00 / $50.00
🟢 under budget
🟡 within 10% over
🔴 over budget
✦ or add a custom category
Housingon track
$0.00 this month
$1,200.00 limit
38% of income
Foodon track
$4.50 this month
$400.00 limit
13% of income
Entertainmenton track
$9.99 this month
$50.00 limit
2% of income
✈️
Paris Trip
$150.00/mo
11mo
🛡️
Emergency Fund
$200.00/mo
1yr 7mo
💻
New Laptop
$100.00/mo
7mo
✦ boost your savings with a side hustle
freelance writing / editing
great for language & communication skills
$200–800/mo
online tutoring or teaching
high demand, flexible hours
$300–1,200/mo
social media management
if you love content creation
$400–1,500/mo
virtual assistant
remote, flexible, lots of demand
$300–900/mo
goal timeframe
choose a template or create your own
short-term goals
under 1 year
$800.00 / $1,500.00
💻
New Laptop
53%
$800.00 saved$700.00 to go
mid-term goals
1 – 3 years
$450.00 / $2,000.00
✈️
Paris Trip
23%
$450.00 saved$1,550.00 to go
long-term goals
3+ years
$1,200.00 / $5,000.00
🛡️
Emergency Fund
24%
$1,200.00 saved$3,800.00 to go
choose your y2k aesthetic ♡
Bubblegum Princess 🍬
hot pink & magenta — the original girlypop
Cyber Goth 🖤 🔒
upgrade to pro to unlock ✦
Velvet Royale 👑 🔒
upgrade to pro to unlock ✦
Strawberry Milk 🍓 🔒
upgrade to pro to unlock ✦
Celestial Diva ✨ 🔒
upgrade to pro to unlock ✦
Pixel Mall 🕹️ 🔒
upgrade to pro to unlock ✦
Hannah Montana 🎤 🔒
upgrade to pro to unlock ✦
custom hue tweak
tell us about yourself so budget intelligence can give you smarter, personalised advice ♡
✦ your avatar
skin tone
hair colour
eye colour
logged in as
change password
alpha vantage key
powers live stock & crypto prices in your portfolio ♡
data
✦ need help?
questions, feedback, or something not working?
[email protected] ♡
[email protected] ♡
danger zone
permanently deletes your account and all data. export your data first ♡
log transactions in your home currency, view in any currency ♡
BASE CURRENCY
currency you log transactions in
DISPLAY CURRENCY
currency shown throughout the app
rates not loaded yet
♡
0
days under budget
today the oracle asks ✦
loading your question...
8
🎱
shake the ball for your answer ♡
no-spend day ✦
spending day
today
tap any past day to toggle no-spend ♡
more income than expenses
more expenses than income
a room of one's own ♡ hit real milestones to unlock outfits, pets, decor & more
✦ your room ✦
✦ room colour
0 / 0 items unlocked
allocation by type
value over time (projected)
| name | ticker | type | invested | current value | gain / loss |
|---|
add a holding
currency:
values stored in your base currency
see what your money could grow into ♡
final value
—
total contributed
—
interest earned
—
preset scenarios
are you sure?
Investing 101
[ your money working for you ✦ no finance degree required ]
why investing matters — especially for women
Women live longer than men on average, which means we need our money to last longer. We're also more likely to take career breaks for caregiving, which means we cannot always rely on consistent income. Investing is how you build wealth that grows even when you're not working.
The pay gap is real. Women earn less on average, which makes growing wealth through investing even more important — not less. Every dollar you invest is working to close that gap on your behalf.
what even is investing?
Investing means putting your money into something with the expectation it'll grow over time. Instead of your money sitting in a bank account earning almost nothing, it is out there in the world growing. The stock market has returned an average of about 7–10% per year historically — compared to a savings account's 0.5–2%.
The magic of compound interest: if you invest $1,000 at 7% per year, after 10 years you have ~$1,967. After 30 years: ~$7,612. Your money makes money, which makes more money. Start early, even small.
the golden rule: time in the market beats timing the market
Don't wait for the "perfect moment" to invest — it doesn't exist. The best time to start was yesterday. The second best time is today. Even $50/month consistently invested beats $500 invested once at the "right" time.
how much risk should you take?
Risk tolerance is personal. The younger you are, the more risk you can take — because you have time to recover from market dips. A simple rule: subtract your age from 110, and that's roughly the percentage you should have in stocks. So if you're 25, aim for ~85% stocks, 15% bonds. If you're 50, maybe 60% stocks, 40% bonds.
which account should you open?
The account type is just as important as what you invest in — it determines how you're taxed and what rules apply. Here's every major account type explained clearly.
The short answer for most beginners: open a brokerage account to start immediately with no limits, then open a Roth IRA alongside it for long-term tax-free growth. If your employer offers a 401(k) match, always contribute enough to get the full match first — it is free money.
🇺🇸 United States
Brokerage Account
beginner friendly
A regular taxable investment account — no special rules, no limits, no restrictions on when you can take money out. You can invest in stocks, ETFs, index funds, bonds, anything. This is where most people should start because there are zero barriers to entry.
annual limit
no limit ✦
withdrawal rules
anytime, no penalty
tax treatment
pay tax on gains
employer required?
no
✓ No limits on how much you invest
✓ Withdraw whenever you want
✓ Open at Fidelity, Schwab, Vanguard in minutes
✗ You pay capital gains tax when you sell at a profit
Roth IRA
tax-advantaged
An Individual Retirement Account where you invest after-tax money — meaning you pay tax now, but all growth and withdrawals in retirement are completely tax-free. This is incredible for younger investors because your money can grow for decades without ever being taxed again. Best suited if you expect to be in a higher tax bracket later in life.
2024 annual limit
$7,000 ($8,000 if 50+)
withdrawal rules
contributions anytime; earnings after 59½
tax on growth
zero — ever
income limit
<$161k single (2024)
✓ Tax-free growth — the most powerful perk in investing
✓ Can withdraw your contributions (not earnings) anytime penalty-free
✓ No required minimum distributions in retirement
✗ Annual contribution limit is relatively low
✗ Income limits apply — if you earn above ~$161k (single) you phase out
Traditional IRA
tax-advantaged
Like a Roth IRA but reversed — you invest pre-tax money (reducing your taxable income today), and pay tax when you withdraw in retirement. Better if you're in a high tax bracket now and expect to be in a lower one later. The same contribution limits as Roth IRA apply.
2024 annual limit
$7,000 ($8,000 if 50+)
tax now
deductible (save tax today)
tax in retirement
pay tax on withdrawal
withdrawal penalty
10% before age 59½
✓ Reduces your taxable income today
✓ Good if you're in a high bracket now
✗ Pay tax on every dollar you withdraw in retirement
✗ Required minimum distributions at age 73
401(k)
employer plan
A retirement account offered by employers. Contributions come out of your paycheck before tax — so you reduce your taxable income immediately. Many employers match a percentage of your contribution (e.g. they put in 50 cents for every dollar you do, up to 6% of your salary). That match is literally free money — always get all of it. The downside: money is locked until 59½, and you'll pay tax plus a 10% penalty if you withdraw early.
2024 annual limit
$23,000 ($30,500 if 50+)
employer match
often 3–6% of salary
early withdrawal
10% penalty + income tax
tax on growth
deferred until withdrawal
✓ Higher contribution limit than IRA
✓ Employer match = instant 50–100% return on matched amount
✓ Reduces taxable income now
✗ Locked until 59½ — pay 10% penalty + taxes if you take money out early
✗ Limited investment options (whatever your employer offers)
✗ Required minimum distributions at age 73
Roth 401(k): Some employers offer this — same contribution limits as a regular 401(k), but you contribute after-tax and withdrawals in retirement are tax-free. Best of both worlds if available to you.
🇬🇧 United Kingdom
Stocks & Shares ISA
UK account
The UK equivalent of a Roth IRA — you invest after-tax money and all growth and income is completely tax-free. No capital gains tax, no dividend tax, ever. Every UK resident gets a £20,000 ISA allowance per tax year. This is the first account almost every UK-based investor should open.
annual allowance
£20,000/year
tax on growth
zero — ever
withdrawal rules
anytime, no penalty
where to open
Vanguard UK, Trading 212
✓ Tax-free forever — genuinely one of the best investment wrappers in the world
✓ Withdraw anytime with no penalty (some ISAs are flexible and let you replace withdrawn amounts)
✗ £20,000 annual limit across all your ISAs combined
Lifetime ISA (LISA)
UK account
A special ISA for buying your first home or retirement. The government adds a 25% bonus on everything you put in (up to £1,000 free money per year). You must be 18–39 to open one. The catch: if you withdraw for any other reason, you lose the bonus and pay a penalty.
annual limit
£4,000/year
government bonus
25% (up to £1,000/yr)
use for
first home or retirement (60+)
early withdrawal
25% penalty (lose bonus + extra)
✓ 25% bonus from the government — best free return available
✓ Great if you're saving for a first home under £450,000
✗ Penalty if you access funds for anything else
✗ Must be under 40 to open
🇪🇺 Europe
Regular Brokerage (taxable)
Europe
Most EU countries do not have a simple ISA equivalent — but many have their own tax-advantaged accounts. In the Netherlands there's the beleggingsrekening (taxable) and lijfrente (pension). Germany has the Depot (taxable) and Riester-Rente. France has the PEA (tax-free after 5 years, up to €150,000). The EU-wide PEPP pension product is also now available. For most European investors, a low-cost ETF brokerage account through DEGIRO or Trade Republic is the practical starting point.
best starting point
DEGIRO or Trade Republic
popular ETFs
VWCE, IWDA, CSPX
tax treatment
varies by country
withdrawal rules
anytime (taxable account)
✓ DEGIRO has extremely low fees and access to global markets
✓ VWCE (Vanguard FTSE All-World) is one ETF that covers the whole world
✗ Tax rules vary significantly country to country — worth checking your local rules
compare investment accounts at a glance
Use this table to see how the main account types stack up against each other. The right choice depends on your situation — most people end up using a combination.
| account | tax now | tax on growth | withdraw early? | annual limit | best for |
|---|---|---|---|---|---|
| 🇺🇸 United States | |||||
| BrokerageUS · taxable | invest after tax | pay capital gains tax | ✓ anytime, no penalty | no limit | starting out, flexibility, no restrictions |
| Roth IRAUS · tax-free growth | invest after tax | ✓ zero — ever | contributions yes; earnings after 59½ | $7,000/yr | younger investors, long-term tax-free wealth |
| Traditional IRAUS · tax-deferred | deduct from income (save tax now) | pay tax on withdrawal | ✗ 10% penalty before 59½ | $7,000/yr | higher earners wanting tax break today |
| 401(k)US · employer plan | pre-tax (lower tax bill now) | pay tax on withdrawal | ✗ 10% penalty + taxes before 59½ | $23,000/yr | getting employer match (free money!) |
| Roth 401(k)US · employer plan | invest after tax | ✓ zero — ever | ✗ penalty before 59½ | $23,000/yr | best of both worlds if employer offers it |
| 🇬🇧 United Kingdom | |||||
| Stocks & Shares ISAUK · tax-free | invest after tax | ✓ zero — no CGT, no dividend tax | ✓ anytime, no penalty | £20,000/yr | most UK investors — use this first |
| Lifetime ISAUK · first home/retirement | invest after tax + 25% govt bonus | ✓ zero | ✗ 25% penalty (lose bonus + more) | £4,000/yr | saving for first home or retirement (under 40) |
| Workplace PensionUK · employer plan | pre-tax + employer contributes | tax on withdrawal | ✗ locked until 57 (rising to 58) | varies | free employer contributions — always opt in |
| 🇪🇺 Europe | |||||
| Brokerage (DEGIRO etc)EU · taxable | invest after tax | pay capital gains tax (varies by country) | ✓ anytime | no limit | most European investors — practical starting point |
| French PEAFrance · tax-advantaged | invest after tax | ✓ tax-free after 5 years | penalty if withdrawn before 5 years | €150,000 lifetime | French residents — great long-term wrapper |
The recommended order for most US beginners:
1. Contribute enough to 401(k) to get full employer match (free money) ✦
2. Max out your Roth IRA ($7,000/year) ✦
3. Put extra back in 401(k) up to the limit ✦
4. Any additional goes in a regular brokerage account ✦
1. Contribute enough to 401(k) to get full employer match (free money) ✦
2. Max out your Roth IRA ($7,000/year) ✦
3. Put extra back in 401(k) up to the limit ✦
4. Any additional goes in a regular brokerage account ✦
The recommended order for most UK beginners:
1. Opt into workplace pension to get employer contributions ✦
2. Open a Stocks & Shares ISA and use your £20,000 allowance ✦
3. Consider a LISA if you're under 40 and saving for a first home ✦
1. Opt into workplace pension to get employer contributions ✦
2. Open a Stocks & Shares ISA and use your £20,000 allowance ✦
3. Consider a LISA if you're under 40 and saving for a first home ✦
what can you invest in?
Index Funds / ETFs
low–medium risk
These track a whole market index (like the S&P 500 — the 500 biggest US companies). You're buying a tiny piece of hundreds of companies at once. This is where most experts say beginners should start. Low fees, automatic diversification, historically great returns.
Individual Stocks
medium–high risk
Buying shares in a single company like Apple or Nike. Higher potential reward but also higher risk — if that one company struggles, so does your investment. Best used after you have a solid foundation of index funds.
Bonds
low risk
You lend money to a government or company and they pay you back with interest. Much more stable than stocks but lower returns. Great for balancing out a portfolio or as you get closer to needing the money.
Real Estate / REITs
medium risk
REITs (Real Estate Investment Trusts) let you invest in real estate without buying property. You own a share of apartment buildings, offices, or shopping centres. Pays regular dividends and generally grows steadily.
Cryptocurrency
high risk
Bitcoin, Ethereum etc. — highly volatile, meaning it can swing wildly up or down. Some people have made life-changing returns; others have lost everything. Most advisors say keep crypto to under 5–10% of your portfolio if you invest at all.
High-Yield Savings
very low risk
Not technically investing, but a high-yield savings account (HYSA) earns 4–5% vs a regular account's 0.5%. Great for your emergency fund or money you'll need within 1–2 years. Zero risk, FDIC insured.
highest historical returns (long term)
| investment type | avg annual return | time horizon | best for |
|---|---|---|---|
| S&P 500 Index Fund | ~10% (7% inflation-adjusted) | 10+ years | core of any portfolio |
| Total Stock Market ETF | ~9–10% | 10+ years | broad diversification |
| International ETF | ~6–8% | 10+ years | global diversification |
| Real Estate (REITs) | ~8–9% | 5+ years | income + growth |
| Bonds | ~3–5% | any | stability & balance |
| High-Yield Savings | ~4–5% (variable) | short term | emergency fund |
| Crypto (BTC) | high but extremely volatile | 5+ years | high risk / high reward |
the beginner strategy most experts recommend
1
build your emergency fund first
3–6 months of living expenses in a high-yield savings account. This is your financial safety net — without it, you might be forced to sell investments at the worst time. Don't skip this step.
2
max out tax-advantaged accounts
In the US: contribute enough to your 401(k) to get your employer match (that's free money). Then fund a Roth IRA (up to $7,000/year in 2024). In the UK: use your ISA allowance (£20,000/year, tax-free growth). These are the best deal in investing.
3
start with a simple 3-fund portfolio
This is the most recommended beginner setup: ~60% US total stock market ETF (like VTI or FSKAX) + ~30% international ETF (like VXUS) + ~10% bond ETF (like BND). Adjust based on your risk tolerance and age.
4
automate and do not touch it
Set up automatic monthly contributions. Then leave it alone. The biggest investing mistake is panic-selling during market dips. Markets go down — they always come back up. Your job is to stay calm and keep buying, especially when things feel scary.
5
rebalance once a year
Once a year, check your allocation and buy/sell to get back to your target percentages. This keeps your risk level consistent and forces you to buy low (adding to whatever has dipped).
The boring truth: the best investment strategy is one you'll actually stick to. A simple index fund portfolio you hold for 30 years will outperform most actively managed funds. Boring is beautiful.
trusted places to open an investment account
All of these are regulated, established, and trusted. The right one depends on where you live and what you want to invest in.
🇺🇸 United States
Fidelity
best overall for beginners
No account minimums, zero-fee index funds (FSKAX, FXAIX), excellent educational resources, great mobile app. Most experts' top recommendation. Also great for Roth IRA.
fidelity.com
Vanguard
best for index fund investing
The pioneer of index fund investing. Owned by its funds' investors (you), so they're incentivised to keep costs low. Home of VTI, VOO, VXUS. Best if you plan to set-and-forget.
investor.vanguard.com
Charles Schwab
great all-rounder
No minimums, great customer service, solid research tools. Good for both beginners and more active investors. Their index funds (SCHB, SCHX) are excellent and low-cost.
schwab.com
Robinhood
easy to start, use with caution
Great for getting started with a tiny amount. Easy app, no minimums. But limited educational tools and has encouraged risky trading in the past. Fine for learning, less ideal as your main account.
robinhood.com
🇬🇧 United Kingdom
Vanguard UK
best for ISA investing
Low fees, simple interface, excellent index funds. Ideal for a Stocks & Shares ISA. The LifeStrategy funds are popular — one fund, automatic diversification.
vanguard.co.uk
Trading 212
commission-free, popular for beginners
Zero commission trading, offers ISAs, great for fractional shares (invest £5 in Amazon). Very popular with younger investors in the UK.
trading212.com
🇪🇺 Europe
DEGIRO
low-cost, pan-European
One of Europe's most popular brokers. Very low fees, access to global markets, available in most EU countries. Great for ETF investing.
degiro.eu
eToro
social investing, beginner friendly
Available globally. Unique "copy trading" feature lets you mirror experienced investors. Good for beginners who want training wheels. Regulated in UK, EU, and US.
etoro.com
learn more — trusted resources
These are genuinely good. No ads, no upsells, no BS.
📖 websites
Investopedia
The Wikipedia of finance. Look up literally any term and get a clear, unbiased explanation. Start with their "Investing for Beginners" course — it is free.
investopedia.com
r/personalfinance
Massive community, great for real questions from real people. Read the wiki first — it is one of the best free personal finance guides online. Also check r/financialindependence.
reddit.com/r/personalfinance
Ellevest Magazine
Financial content written specifically for women. Covers investing, salary negotiation, the pay gap, and building wealth on your timeline. Really good, not condescending.
ellevest.com/magazine
Morningstar
Research tool for evaluating specific funds and stocks. Their fund ratings are widely trusted. Free version gives you a lot. Good for when you're ready to dig into specifics.
morningstar.com
🎧 podcasts
So Money — Farnoosh Torabi
Interviews with financial experts and real people about money. Warm, accessible, and great for women. One of the longest-running personal finance podcasts.
Afford Anything — Paula Pant
Deep-dives into financial independence, real estate, and investing philosophy. "You can afford anything, but not everything" — great for thinking about money intentionally.
We Study Billionaires
Studies how the world's most successful investors think. Good for understanding investing philosophy beyond just "buy index funds."
📚 books
The Simple Path to Wealth — JL Collins
The clearest, most practical guide to index fund investing. Originally a series of letters to his daughter. Short, easy to read, and genuinely life-changing for many people.
I Will Teach You to Be Rich — Ramit Sethi
Written for people in their 20s–30s. Covers automating money, investing, and living your "rich life." Very practical, a bit irreverent, not preachy.
Clever Girl Finance — Bola Sokunbi
Written by a woman, for women. Covers everything from budgeting to investing to building wealth. Also has a free website (clevergirlfinance.com) with tons of resources.
Remember: you do not need to know everything before you start. Open an account, put $50 in an index fund, and learn as you go. The best investor is the one who starts. ♡
talk to a real advisor ♡
We'll connect you with a licensed, vetted financial advisor who gets it — no jargon, no judgment, no pressure. Just a real conversation about your money and your goals.
licensed advisors
Every advisor we refer to is fully licensed and regulated in your region
no hard sell
This is a conversation, not a sales pitch. No pressure, ever.
your region
We match you with advisors who understand your local tax laws and regulations
your details
By submitting this form you agree to be contacted by a licensed financial advisor. Girl Budget is not a financial advisory service and does not provide personalised financial advice. We act solely as a referral service connecting you with regulated third-party advisors. Your information will never be sold or shared beyond the referral.
you're on the list!
We've received your details and will match you with a licensed advisor in your region. Expect to hear from us within 1–3 business days.
In the meantime, explore the other tabs — the more you know going in, the better your conversation will be. ♡
Girl Budget Pro
[ unlock the full experience ]
✦ share savings goals with friends & get cheered on ♡
✦ AI financial oracle — magic 8 ball with personalised Claude readings
✦ AI spending story — monthly, yearly & multi-year
✦ Year & multi-year overview
✦ Multi-currency with live exchange rates
✦ All 5 Y2K themes
✦ Everything that's coming next ♡
$5/mo
OR $49/YEAR — SAVE 18% ✦
already have a code? enter it below
PLAYER 1
LVL 9
0
∞
LEVEL UP!
🏆 PRE-BOSS ✦ READY TO DEPLOY
insert coin
[ PLAYER 1 ✦ READY ]
Welcome, future wealth boss. Your mission: build a money game you actually want to play.
Clear 8 missions, collect XP + coins, and unlock your personalised budget in about 2 minutes.
Clear 8 missions, collect XP + coins, and unlock your personalised budget in about 2 minutes.
TUTORIAL TIP
why this works
Your brain loves small wins. Turning money into a game means every saved dollar feels like a +XP drop — so you keep playing, and your money keeps growing.
PRESS ANY BUTTON TO CONTINUE
scan your location
[ where is PLAYER 1 on the map? ]
🌱
just starting
new to tracking money and want to build good habits
🔨
building up
have some savings, want to be more intentional
📈
growing wealth
already investing, want a clearer picture
🦋
big life change
new job, moving, relationship change — recalibrating
POWER-UP KNOWLEDGE
your starting zone matters
There's no level cap in the money game — but knowing your starting zone means your targets are reachable, not punishing. A good plan beats a perfect plan you quit in a week.
load your coin pouch
[ approximate is fine ♡ ]
This helps us suggest realistic budgets and savings targets for you.
BUDGET 101 ✦ UNLOCKED
the 50/30/20 rule
One of the oldest pro-gamer moves: 50% on needs (rent, groceries), 30% on wants (fun stuff), 20% on saving + investing. We'll auto-tune it to your income — no maths required.
choose your quests
[ tap every treasure you want ♡ ]
🛡️
emergency fund
✈️
travel
🏡
home deposit
📈
investing
👑
retirement
💼
my own business
🎓
education
🚗
car
💛
financial freedom
QUEST WISDOM
named goals hit 2× harder
Research shows people who name their savings goals (instead of just “saving”) save around 2× more. Your brain needs a boss to beat — not just a number.
pick your class
[ investor skill tree ♡ ]
🌱
complete beginner
never invested before, not sure where to start
📖
still learning
know the basics but haven't invested much yet
📈
some experience
have a portfolio, learning as I go
💎
fairly confident
comfortable with stocks, ETFs, and strategy
and your risk comfort level?
🛡️
play it safe
I'd rather grow slowly than risk losing money
⚖️
balanced
some risk is fine if there's real upside
🚀
growth minded
I can handle volatility for bigger returns
REAL-TALK BUFF
women ✦ usually better investors
Multiple studies (Fidelity, Warwick, BlackRock) find women's portfolios outperform men's by ~0.4–1% a year. Why? We trade less, ride waves longer, and don't panic-sell. You already have the cheat code.
choose your play style
[ no wrong answer ♡ ]
🏦
natural saver
saving feels easy, spending feels uncomfortable
🛍️
natural spender
love treating myself, saving takes effort
⚖️
fairly balanced
depends on the month and my mood honestly
😬
money anxious
money stresses me out and I avoid thinking about it
CHEAT CODE UNLOCKED
automate → autopilot XP
The #1 trick of people who actually save: they never see the money. Set up an auto-transfer to savings on payday + 1 and you skip the hardest fight — your own willpower.
set your difficulty
[ we'll match the explanations ♡ ]
🌸
total beginner
explain everything simply — no jargon, no assumptions
📚
some knowledge
I know the basics — skip the 101 stuff but keep it approachable
💡
pretty confident
I invest already — give me the detail and skip the hand-holding
🔥
finance nerd
I live in spreadsheets — give me the advanced stuff
how would you like AI tips delivered?
🫶
warm & encouraging
gentle nudges, lots of reassurance
⚡
direct & practical
just tell me what to do, no fluff
PRO-TIP
learn by playing, not studying
You don't need to read 10 finance books first. The app teaches you as you go — one mini-mission at a time, when it's actually relevant to what you're doing.
build your character
[ pick your vibe ♡ customize everything ]
THE SAVER
SKIN TONE
HAIR STYLE
HAIR COLOR
EYE COLOR
tutorial complete!
[ save file ready ✦ PLAYER 1 ]
total monthly savings$0
Your personalised plan is ready — budgets, savings goals, and currency all set up based on your answers.
FINAL TUTORIAL TIP
the real game starts now
You'll keep earning XP, coins, and stickers as you log transactions, hit streaks, and crush goals. The money stays real. The dopamine is the bonus ♡
this sets up your budgets, savings goals, and currency automatically ♡ you can change everything later
⭐
new item unlocked!