ITEN
Join waitlist
Budget-first, not tracking-first

Budget your life
in 90 seconds.

migj helps couples and families plan spending before the month starts — not just track what happened. Import your bank CSV in 30 seconds. Free plan, forever. No bank credentials ever shared.

Get early access — free See how it works →
90 secFrom sign-up to first budget. No config needed.
CSV importFree, unlimited, forever. No bank API required.
€0 to startGenuinely free tier. Not a 30-day trial.

BUILT ON THESE PRINCIPLES

€0
CSV import cost, forever
90s
To first working budget
0
Bank credentials shared
EU
Data residency, GDPR-first

Why budget together?

Money is one of the biggest sources of stress in relationships. migj replaces guesswork with clarity.

💡 Know where money goes

Stop wondering "where did it all go?" at month-end. See spending by category in real time — from your bank CSV or manual entry.

🤝 Stay aligned as a couple

Shared budgets mean shared understanding. No surprises, no finger-pointing — collaboration and transparency at the right level.

🎯 Hit your goals faster

Wedding, house, holiday: when everyone sees the plan, it's easier to stick to it. Savings goals become real, not wishful thinking.

⚡ Reduce financial stress

A clear plan removes anxiety. Know if you're on track — or need to adjust — before it's too late in the month.

Bank import in 30 seconds — free, forever

No API. No bank credentials ever shared. Your bank already lets you download a CSV — migj reads it and updates your budget automatically. Learn more about our privacy-first approach →

1

Download CSV from your bank

Every bank lets you export transactions. Find it in "movements" or "statements".

2

Drop the file into migj

Auto-detects the format. Preview before confirming — duplicates flagged automatically.

3

Budget updated instantly

Transactions flow into categories. Dashboard reflects new totals right away.

🏦 Intesa Sanpaolo🏦 UniCredit🏦 Fineco🏦 BNL🏦 N26🏦 Revolut🏦 Monzo🏦 Wise🏦 bunq🏦 ING+ any generic CSV

Bank not listed? Our manual column-mapping wizard saves your template for future imports.

Everything in the first release

Exactly what you need to budget together. Nothing that slows you down.

📥

Bank CSV import

Major EU/global formats auto-detected. Free forever, no volume limit.

💰

Monthly budgets

Set category limits, see live progress, get alerted before you overspend.

👥

Shared family group

Invite partner or family. Everyone adds expenses, all see the full picture.

📊

Monthly report

Income vs spending, top categories, budget comparison. CSV export included.

⚡

Fast mobile entry

Record a purchase in 5 seconds. Category and account predicted intelligently.

🎯

Savings goals

Wedding, house, holiday fund: set a target and track monthly progress.

What early testers say

Feedback from people who tried the beta.

"Finally a budget app that doesn't require a finance degree. We set up our joint budget in 3 minutes."
S
Sofia M. — Couple, Milan
"I was sceptical about CSV import but it took 30 seconds. My N26 export just worked."
L
Luca B. — Freelancer, Rome
"The 50/30/20 budget was generated automatically. Customised it in 2 minutes. Exactly what I needed."
A
Anna K. — Family of 4, Berlin

Clear pricing, no surprises

The free plan is genuinely complete — not a 30-day trial. Upgrade for intelligence and automation, not because free becomes frustrating.

🚀 Launch price until June 30, 2027: subscribe to Premium or Family before this date and you lock in this price forever — even on future renewals. From July 1, 2027, new subscriptions start at the standard price (€49/year and €79/year).

FREE

€0/ forever

Complete workflow. Nothing removed after 30 days.

  • Bank CSV import — unlimited, always
  • Unlimited transactions
  • Unlimited accounts
  • Monthly budget per category
  • Dashboard + monthly report
  • CSV export (portable data)
  • Up to 3 members
  • 2 savings goals
Launch price

PREMIUM

€49/year€30/ year

Just €2.50/month, less than a coffee. Subscribe by June 30, 2027 and keep this price forever — afterwards it's €49/year.

  • Everything in Free
  • Smart AI categorization on CSV
  • Automatic recurring transactions
  • Unlimited goals with AI projections
  • Advanced reports + PDF export
  • Proactive budget alerts (push+email)
  • AI Insights — patterns, forecasts
  • Receipt attachments (2 GB)
  • Up to 3 members
Launch price

FAMILY

€79/year€50/ year

For extended families and multiple households. Subscribe by June 30, 2027 and keep this price forever — afterwards it's €79/year.

  • Everything in Premium
  • Children allowance management
  • Expense approval workflows
  • Multi-household consolidated view
  • Up to 12 members
  • Annual Financial Review PDF
  • 10 GB attachment storage
  • Priority support <4h

Frequently asked questions

Have more questions? Email us — we answer personally.

Yes. CSV import, unlimited transactions, budgets and reports — free forever. Not a trial. We make money on Premium features (AI, automation, PDF), not by restricting core functionality.
Never. migj is CSV-first: you download the transaction file from your bank and upload it. Your bank credentials stay private — no API connections, no OAuth, no permissions granted to third parties.
Yes. We have a generic CSV wizard where you map column names (date, amount, description) manually. Your mapping is saved for future imports. We're constantly adding new bank formats based on waitlist requests.
A 5-question wizard asks: family size, monthly income, main fixed expenses, and your savings goal. migj generates a budget using the 50/30/20 rule, adjusted for your situation. You can customise any number afterwards.
Yes — that's the point. Create a family group and invite your partner. Both see the same budgets and dashboard. Each person can add transactions. Privacy levels (shared / personal) let you keep some expenses private.
All data is stored on EU servers. migj is designed to be GDPR-compliant from day one. You can export all your data as CSV at any time, and request deletion of your account and all data.
We're running a whitelist period to onboard early users gradually and support them closely while we polish the product. Join the waitlist now to be considered for early whitelist access. migj opens to everyone — no whitelist needed — on October 1, 2026.

More about migj

🔒 Privacy-first budgeting

How CSV import protects your data — no bank credentials shared, ever.

CSV approach →

👫 Built for couples & families

Shared budgets, privacy levels, savings goals together.

Family budgeting →

📐 The 50/30/20 rule explained

Divide your salary into needs, wants and savings in one step. With calculation table for every income level.

50/30/20 guide →

⚖️ Free YNAB alternative

Same budget-first approach, CSV import from your bank, permanent free plan — no €14/month subscription.

Compare migj vs YNAB →

Guides & articles

Practical personal finance — no jargon, no fluff.

📋

How to create a monthly budget

5 steps from zero to a working budget. Categories, common mistakes, and how to stick to it every month.

📐

The 50/30/20 rule

The simplest budgeting method: needs, wants, savings. Calculation table for every income level from £1,200 to £5,000/month.

💸

How to stop overspending

8 concrete strategies that attack the causes of overspending — not the symptoms. No willpower required.

🆓

Best free budget app

What to look for in a free budget app, and why CSV import beats Open Banking for privacy-conscious users.

💰

How to save money every month

Practical tactics to save more without feeling deprived — automating savings, cutting recurring costs, setting goals that stick.

🛡️

Emergency fund guide

How much to save, where to keep it, and how to build it from zero — the foundation of any financial plan.

Ready to take control of your finances?

Join the whitelist for early access — migj opens to everyone on October 1, 2026.

Join the whitelist — free