Put every dollar to work. Get paid in Bitcoin for doing it.
Frugi is the hands-on budgeting app for people who want real discipline. You enter every expense yourself — no bank syncing, on purpose — and we reward the habit with real satoshis you actually keep.
No bank connections. No auto-import. No credit card required to start your free trial.
- Simple, honest pricing
- $5/mo
- Free trial — no credit card required
- 35 days
Simple, honest pricing
Free trial — no credit card required
The friction is the feature.
Most budgeting apps pull your transactions automatically, so you never actually look at them. Frugi flips that. By entering each expense by hand, you feel every dollar leave — and that awareness is what changes behavior. No connections to break, no surprise imports, no feed to ignore. Just you, your money, and a budget you genuinely understand.
Awareness by design
Manual entry turns spending from background noise into a deliberate choice you notice.
Private by default
No bank credentials, no third-party data aggregators reading your accounts.
Nothing to break
There's no sync to silently fail at 2 a.m. Your budget is always exactly what you put in it.
Four habits. One disciplined budget.
Frugi keeps the loop tight so it's easy to stay consistent — and consistency is what earns you sats.
- 01
Log every expense
Enter each transaction by hand the moment it happens. It takes seconds and keeps you honest with yourself.
- 02
Put every dollar to work
Assign the money you actually have into category envelopes until nothing is left unassigned.
- 03
Adjust as you go
Overspent somewhere? Move money between envelopes and keep going. No guilt, no broken streak.
- 04
Stay consistent, earn sats
Keep your budget current through the cycle and Frugi pays you real Bitcoin for the habit.
Five focused surfaces. Nothing you don't need.
No dashboards full of charts you'll never read. Frugi is exactly five screens, each doing one job well.
Your month at a glance
Open Frugi and immediately see where you stand: what's Ready to Assign, income versus spent versus budgeted, and the sats you've earned so far. Bite-size tips meet you where you are and teach budgeting as you go.
- Ready to Assign front and center
- Income vs. spent vs. budgeted, at a glance
- Live count of sats earned this cycle
- Short, practical “learn to budget” tips
Envelopes that do the thinking
Assign money into category envelopes and watch assigned versus available update in real time. Set recurring targets for the bills and goals you know are coming. Running more than one budget? Keep them cleanly separated under a single login.
- Assigned vs. available on every envelope
- Recurring targets & goals for big annual bills
- Multiple budgets per user, neatly separated
- Move money between envelopes in a tap
Every transaction, exactly as you logged it
A clean, scrollable, searchable record of everything you've entered. Color flags help you spot what needs attention, and search gets you to any transaction in seconds — no auto-imported clutter to sift through.
- Clean, scrollable transaction log
- Fast search across everything you've entered
- Color flags to mark and find what matters
- Only what you logged — no imported noise
Checking, savings, and cash — all reconciled by you
Track each account with a live balance you maintain, plus a full per-account register. Because you enter everything, the numbers are yours — accurate because you made them so, not because a bank guessed for you.
- Checking, savings & cash accounts
- Live balances you keep current
- Full per-account transaction register
- Reconcile on your terms, not a feed's
Your Bitcoin, earned and explained
See your in-app Bitcoin balance, exactly what you've earned, and the transparent criteria behind every sat. When you're ready, withdraw to any wallet or exchange — over Lightning anytime, or on-chain once you clear a small fee threshold.
- In-app Bitcoin balance, always visible
- Transparent, no-mystery reward criteria
- Withdraw to any wallet or exchange
- Lightning anytime; on-chain above a small threshold
Discipline that literally pays you back.
Frugi rewards the habit, not the hype. Stay on top of your budget and earn real satoshis — up to roughly a dollar's worth per billing cycle. It's a thank-you for showing up, not a get-rich pitch.
Earn during your trial. You even earn sats during your free trial — no credit card required — and unlock them the moment you subscribe.
Withdraw anytime. Sats are real Bitcoin. Withdraw to any wallet or exchange: Lightning anytime, on-chain once you clear a small network-fee threshold.
How sats are earned — fully transparent
- 1
Show up consistently
Keep your budget current by logging expenses across the cycle, not in one frantic catch-up.
- 2
Keep every dollar assigned
Maintain a zero-based budget where your money has jobs instead of sitting unassigned.
- 3
Reconcile your accounts
Keep account balances accurate so your budget reflects reality, not guesswork.
- 4
Earn through the cycle
Hit the habit consistently and unlock up to ~$1 worth of sats for the period.
Four pillars, no jargon.
Frugi is built on the envelope / zero-based approach — proven habits, explained in plain language.
Put every dollar to work
Assign all the money you have to a purpose, so your budget reflects intentions instead of hope.
Plan for big expenses
Break big annual bills into monthly chunks so they never blindside you again.
Adjust as you go
Overspending isn't failure. Move money between envelopes and keep your plan alive.
Get a month ahead
Build a buffer until you're spending money you earned weeks ago — and the paycheck-to-paycheck cycle breaks.
One honest price. Plus Bitcoin on top.
Start with a 35-day free trial — no credit card required — and earn sats while you try it. Subscribe when you're ready and unlock everything, including the sats you banked during the trial.
Save over 25% on the annual plan!
Annual
Billed annually at $60. Cancel anytime.
Includes a 35-day free trial — no credit card required.
Every plan includes
35-day trial- Unlimited category envelopes & multiple budgets
- Manual, distraction-free expense tracking
- Searchable spending log with color flags
- Checking, savings & cash accounts with registers
- Real Bitcoin (sats) earned for consistent tracking
- Withdraw sats via Lightning or on-chain
- Web app (PWA), iOS, and Android
- Sats earned during your trial, unlocked on subscribe
Prices in USD. All plans start with a 35-day free trial — no credit card required to begin. Sats earnings are a reward for consistent use, not an investment return. Cancel anytime.
The honest answers.
Because it works better this way. Auto-import makes it easy to stop paying attention. Entering each expense by hand keeps you connected to your money, and that awareness is exactly what builds lasting discipline. It also means no bank credentials, no third-party aggregators, and nothing to silently break.
Ready to put every dollar to work?
Start your free trial — no credit card required — build the habit, and start stacking real sats. No bank connections, either; that's the whole point.