Pay for clarity,
not complexity.

Yes. Buoy links your accounts through Plaid — the same secure, read-only connection thousands of finance apps and banks already trust. The access is read-only (Buoy can never move your money), your bank credentials are never seen or stored by us, and everything is encrypted in transit and at rest.

Instead of a balance that ticks down to zero, each spending category earns a small allowance every day. Underspend and the number grows — so saving feels like progress you can watch, not a restriction you have to endure.

No. You can start your free trial without entering a card. Link a bank when you’re ready to see Buoy work with your real spending.

Anytime, with no lock-in. Choose monthly or annual billing and change or cancel whenever you like.

Standard gives you the full count-up budgeting toolkit — complete budgeting, subscription tracking, AI budgeting tips, and the achievements, streaks, and challenges that make saving a game. Premium adds an interactive AI chat advisor, the latest AI models, and family sharing so your whole household can budget together.

Yes — that’s the whole idea. Staying under budget builds daily streaks, unlocks achievement badges for real milestones (your first $100 saved, a goal reached, a month under budget), and levels you up from Beginner to Legend. Saving stops being a chore and starts feeling like progress.

Most major U.S. banks and credit unions connect through Plaid. If your institution is supported by Plaid, it works with Buoy.