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DIY Budget App

The modern day
cash folder system.

Built for couples who want a simple, honest budget. Not another app connected to your bank.

Start Free Trial See How It Works
No bank connections · First month free · Faith-based principles

Does any of this sound familiar?

1

Do you struggle to get on the same page with your spouse about money?

2

Is it hard to align on a plan for your financial future and day-to-day spending?

3

Have you tried budgeting tools that just didn't stick?

You're not alone. The problem usually isn't discipline. It's the system.

The DIY Budget App and Program gives families an all-in-one solution built on Biblical money principles: real-time spending insights, easy monthly reviews, and practical coaching that replaces friction and complexity with clarity through a simple plan and process that actually works.

The Tool

Simple by design. Intentionally not complicated.

This is a budget tool, not a financial platform. No investment trackers, no net worth dashboards, no subscription sync managers. Just a budget, categories, and transactions.

  • Shared real-time dashboard. Both spouses see the same numbers.
  • Digital envelope budgeting with visual progress bars per category
  • Giving and tithe category built in from the start
  • Month-over-month rollover settings per category
  • Simple join code to link spouses under one household
  • Your data stays with you. No bank access. No third parties.
April 2026
Our Household
Available to Spend
$1,240
Groceries
$312 / $500
Dining Out
$175 / $200
Giving / Tithe
$400 / $400
Transportation
$88 / $300
Viewing as both spouses
S
K
Getting Started

Up and running in four steps.

No bank connections to authorize. No accounts to link. You enter your own information and you are in control from day one.

1

Start Your Free Trial

Sign up and get your first month free. No credit card required to get started.

2

Set Up Your Budget

Enter your income, your categories, and your monthly amounts. Takes about 20 minutes the first time.

3

Invite Your Spouse

Share a simple 6-character join code. Your spouse creates their account and is linked to your household instantly.

4

Track Together

Log spending as it happens. Both spouses see the same dashboard. The budget becomes a shared responsibility.

Pricing

Simple, transparent pricing.

One price covers your whole household. No per-user fees. No hidden tiers. Start with a free month and stay as long as it's working.

The App
$12 / month
First month free. No credit card needed.
Both spouses. One household. One price. Your digital cash envelope system, always in your pocket.
  • Transactional ledgers for every budget category
  • Monthly budget management and planning
  • Spending pattern reports
  • Tithe and giving customization
  • Optional monthly rollover for annual categories
  • Real-time shared dashboard for both spouses
Start Free Trial

Try it free for 30 days. Cancel anytime.

Consulting
$150 / month
3-month minimum commitment
Work directly with Scott for personalized, guided support as you build the habits and systems to gain real financial clarity.
  • Goal setting and budget planning
  • Monthly sessions with Scott
  • Budget review and spending pattern analysis
  • Personalized guidance toward financial clarity
  • Support for aligning financial goals as a couple
  • Full app access for both spouses included
Apply for Coaching

Scott reviews each application personally.

Courses
Free & Paid
In progress. Launching soon.
Go deeper on your own terms. Biblical financial principles and practical training for families who want to build a lasting foundation.
  • Biblical financial principles
  • Setting financial goals as a couple
  • Weekly budget management Q&As
  • More courses added regularly
Join the Waitlist

Be notified when courses launch.

Currently in beta. Scott will reach out directly after you sign up to get your household set up and answer any questions.

Why Scott

Built by someone who has actually done it.

In 2021, Scott and Katy paid off their first home and became fully debt-free, all while never making more than $100,000 in household income. Now Scott wants to help other couples live in that same freedom.

"If it were up to me, I'd go back to a fully cash folder model. But in a world of digital companies and a desire for marital unity, that's just not practical. The DIY Budget App is the simplest way to implement a system that actually works."

Scott has an MBA and is trained in Crown Financial and Financial Peace principles. He is not incentivized by any outside program. His only goal is to help you gain clarity, confidence, and more peace of mind around your family's finances.

Scott's Background
  • Paid off first home and became fully debt-free in 2021, on a household income under $100K
  • MBA, business strategy and operations
  • 17+ years building and managing digital systems for enterprise companies
  • Trained in Crown Financial Ministries and Financial Peace University
  • Built the DIY Budget App for his own marriage, then realized it worked for others too
  • Not affiliated with or compensated by any financial products or services
  • Active member and leader in his local church
  • Married to Katy. Three kids. One very intentional budget.

Get on the same page with your spouse about money.

Start your free trial today. Your first month is free, and Scott will personally reach out to get your household set up.

Start Free Trial
Also from Our DIY Household
@ourdiyhousehold

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