From the 90-second setup wizard to bank CSV import, shared family budgets, savings goals and monthly reports — everything you need to know before signing up.
When you sign up for migj, you don't face a blank screen. A five-question wizard generates your first budget automatically — no manual configuration required.
The wizard asks:
Step 1: Family size — Just me / Couple / Family of 3–4 / Family of 5+
Step 2: Monthly income — A slider from €300 to €15,000. "Not sure? Put an estimate — you can change it later."
Step 4: Primary goal — Save aggressively (30%) / Balanced (20%) / Understand spending first (5%)
Step 5: Preview — See the generated budget before confirming
How the budget is generated: migj applies the 50/30/20 rule (50% needs, 30% wants, 20% savings), adjusted for your family size and the fixed expenses you selected. If you choose "save aggressively", the savings slice grows to 30%, reducing the wants allocation. Every category limit is editable after setup.
The result is a complete budget with categories, limits and an initial account structure — ready to use in under two minutes.
2
Bank CSV import — free, forever
This is migj's signature feature. Every bank in the EU (and most globally) lets you download your transaction history as a CSV or Excel file. migj reads this file and imports your transactions automatically.
Why not connect to the bank directly via API? Three reasons: cost (open banking licences cost thousands of euros, which we'd pass on to you), privacy (API connections give the app permanent access to your account), and simplicity (CSV files work with any bank, anywhere, without OAuth flows or permission management).
Supported banks at launch
migj auto-detects the format for these banks: Intesa Sanpaolo (CSV, semicolon, ISO-8859-1), UniCredit (CSV, comma), Fineco (Excel XLSX, sheet 2), BNL, N26, Revolut, Monzo, Wise, ING Italia, bunq.
For any other bank, a generic CSV wizard lets you map column names (date, amount, description) and set the date format and decimal separator. Your mapping is saved for future imports.
The import flow
1. You download the CSV from your bank. 2. You drop the file into migj. 3. migj parses it and shows a preview — every row, with automatic category suggestions and duplicate detection. 4. You confirm (or skip) rows. 5. Transactions are imported and your budget updates.
Duplicate detection: migj flags a transaction as a potential duplicate if date, amount and description match an existing entry within 24 hours. You decide whether to import it or skip — migj never silently deduplicates without your approval.
3
How budgets work
A budget in migj is a spending limit for a category in a given period (usually a month). You set a limit for "Groceries" (e.g. €400), and migj tracks how much you've spent against that limit in real time.
The four alert levels
✅ OK (0–69%) — "Great, you're on track"
🟡 Warning (70–89%) — "Pay attention"
🔴 Danger (90–99%) — "Limit almost reached"
⛔ Exceeded (100%+) — "Budget exceeded by €X"
End-of-month projection
migj calculates a simple projection: (amount spent so far ÷ days elapsed) × days in month. If you're spending €600 in 15 days of a 30-day month, migj projects €1,200 by month-end — and warns you if that exceeds your budget.
Categories
migj comes with a full set of pre-configured categories: Housing, Food & Dining, Transport, Health, Education, Entertainment, Shopping, Children, Savings. Each has sub-categories. You can add custom categories (15 on Free, unlimited on Premium). System categories can't be deleted — they can be archived.
4
Family & couples features
migj is built for households, not solo users. When you sign up, you create a family group. You can invite your partner, family members, even adult children.
Roles
Owner — full access: invites/removes members, creates budgets, modifies anything. Member — adds transactions, imports CSV, sees all shared data, manages own expenses. Viewer — read-only: sees budgets and reports, cannot add or modify.
Privacy levels
Expenses and categories can be set to three visibility levels:
Shared — visible to all members (rent, groceries)
Threshold — visible only above an amount you set (e.g. €100)
Personal — visible only to you (gifts, personal hobbies)
Real use case: A couple shares the "Housing" and "Food" budgets. The partner buying a birthday gift marks it as "Personal" — it counts towards their personal spending but doesn't appear in the shared dashboard. No awkward conversations needed.
5
Dashboard & reports
The dashboard shows your current month at a glance: total income, total spending, balance, and budget progress per category. You can navigate to previous months to review history.
JUNE 2026 — Household Budget
──────────────────────────────────────────────────────────
Income: €3,200
Spending: €2,148 ↓ -8% vs May
Balance: €1,052 💚
──────────────────────────────────────────────────────────
BUDGET PROGRESS
🏠 Housing €950 ████████▓░ 95% ⚠️ €50 left
🍕 Food €520 ████░░░░░░ 45% ✅ €280 left
🚗 Transport €310 ███░░░░░░░ 30% ✅ €210 left
🎭 Entertainment €498 █████████░ 83% 🟡 €102 left
──────────────────────────────────────────────────────────
INSIGHTS 💡
• Great! You're under budget in 3/4 categories
• Housing: €50 left — watch end of month
• On track to save €742 this month 🎉
Monthly report
At the end of each month, migj generates a report: income vs spending breakdown by category, budget vs actual comparison, member spending breakdown (how much each person spent), and a savings summary. The Free plan includes a basic report and CSV export. Premium adds PDF export, advanced charts, and year-over-year comparisons.
6
Savings goals
A savings goal is a named target with a deadline. You set the amount, link it to a savings account, and define a monthly contribution. migj tracks progress and (on Premium) uses AI to project whether you'll reach the goal on time.
Free plan: 2 goals, basic progress tracking. Premium: unlimited goals, AI projections, automatic budget suggestion to accelerate goal completion.
Example: "Greece holiday" — €2,000 target, 5 months until departure, €200/month contribution. migj Premium calculates: at this rate you'll reach €1,450 — short by €550. Suggestion: reduce "Entertainment" by €110/month (currently underspent). [Apply suggestion automatically]
7
Free vs Premium — honest comparison
migj's core principle: the free tier is genuinely useful, not a crippled trial. We add value on Premium through intelligence and automation — not by removing features from Free.
What's always free: CSV import (unlimited, forever), all transactions (no limit), all accounts, monthly budget, monthly report, CSV export, up to 3 members, 2 savings goals.
What Premium adds (launch price €30/year until June 30, 2027, then €49/year): Smart AI categorization on CSV import (learns from your corrections), automatic recurring transactions (rent, salary), unlimited savings goals with AI projections, advanced reports and PDF export, proactive budget alerts (push + email), AI insights (spending patterns, anomalies, forecasts), receipt attachments (2 GB storage), up to 3 members.
What Family adds (launch price €50/year until June 30, 2027, then €79/year): Up to 12 members, multi-household consolidated view, children allowance management, expense approval workflows for large purchases, 10 GB attachment storage.
Conversion triggers are natural, not forced: You'll see a Premium prompt when you try to set a third savings goal, create a weekly budget, or enable rollover. At no point does a feature you're already using get blocked by a paywall.
8
migj vs YNAB vs Monarch vs Excel
Feature
migj Free
YNAB
Monarch
Excel/Sheets
Price
€0 forever
$109/year
$100/year
€0
Free tier
✓ Genuine
✗ Trial only
✗ No free tier
✓
Setup time
90 seconds
30–60 min
10–20 min
Hours
CSV bank import
✓ Free, unlimited
✓
✓
Manual only
No bank credentials
✓ CSV only
✗ Requires API
✗ Requires API
✓
Family budgeting
✓ 3 members
✓ 6 members
✓ 5 members
Manual sharing
Privacy levels
Premium
✗
✗
✗
Multi-language
✓ IT, EN, ES, DE, FR
EN only
EN only
Any
EU data residency
✓
✗ US servers
✗ US servers
Your device
AI categorization
Premium
✗
Limited
✗
Budget projections
✓ Basic
✓
✓
Manual
Learning curve
Very low
High
Medium
Medium-high
Data as of June 2026. Prices are approximate and may vary.
9
Frequently asked questions
Most apps focus on tracking: you record what you spent and see where money went at month-end. migj is budget-first: you plan what you want to spend before the month starts. The dashboard is centred on "remaining" rather than "spent" — a subtle but powerful psychological difference.
For the core workflow: yes. Unlimited transactions, unlimited accounts, unlimited imports, unlimited budgets, monthly report, CSV export, up to 3 members. The only limits on Free are: 2 savings goals and 15 custom categories (plus all the system categories).
Most people import once a month (after the month ends) or once every two weeks. Some import weekly. There's no limit — you can import as often as you like. Duplicates are automatically detected and flagged.
Manual entry is a first-class feature. The mobile quick-add lets you record a transaction in 5 seconds — just tap the amount, select a category (last-used category is pre-selected), and save. Many users mix: manual for daily purchases, monthly import for the rest.
Italian and English at launch. Spanish, German and French are planned for months 6–12. The app detects your browser language and switches automatically. You can override manually in settings.
Yes. Each account can have its own currency. Reports are shown in your primary currency (set during setup). Exchange rates for multi-currency accounts are entered manually at import time.
Yes. All data is encrypted at rest (AES-256) and in transit (TLS 1.3). Servers are located in the EU. migj stores only the transaction data you explicitly import — not your raw bank files.
Yes, on all plans. Go to Settings → Export data. You get a complete CSV of all transactions. This is a GDPR right — it's always free, always available. migj will never hold your data hostage.
If you downgrade from Premium to Free, all your data remains — you just lose access to Premium features. If you delete your account, your data is soft-deleted for 30 days (recoverable), then permanently deleted after that. You can export your data any time before deletion.
We're running a whitelist period before our public launch on October 1, 2026 — early access is granted in waves so we can onboard and support new users closely. The waitlist is open now — sign up and you'll be among the first considered for whitelist access. Your bank preference in the signup form helps us prioritise which CSV formats to support first.
migj is a web app optimised for mobile (Progressive Web App — installable on iOS and Android from the browser). A native iOS/Android app is planned for Q4 2026 based on the seed round.
Mint (closed November 2024) required linking bank accounts via API. migj is CSV-first: no bank credentials, no permanent connection. Also, migj is budget-first (plan before spend), while Mint was tracking-first (review what you spent). migj is also available outside the US.
Two reasons: CSV import eliminates expensive open banking API costs, and we're a lean team. YNAB charges $109/year partly to cover API partnership costs. migj's CSV approach makes the core import feature permanently free, while keeping Premium affordable from €30/year during launch (then €49/year).
Yes. The wizard lets you enter an estimated average monthly income. The budget is built on that estimate. When income varies, you adjust the income transaction each month. Premium adds "Adaptive Budget" mode that automatically recalculates based on actual income each month.
Join the waitlist below. If you're whitelisted during the early access period — or once we launch publicly on October 1, 2026 — you'll receive an email with a link. Sign up (email + password), complete the 5-question wizard, and you'll have a working budget in 90 seconds. Then import your first bank CSV — or start adding expenses manually.
Ready? It takes 90 seconds.
Join the whitelist for early access — migj opens to everyone on October 1, 2026. Free forever, no credit card.
