For first-generation wealth builders
Build generational wealth.Not just a budget.
Nobody handed you the playbook for this income. Budget & Beyond is the AI-powered money app that helps you keep more, grow more — and pass it on.
Free to join · founding-member pricing locked for life
The AI Widget Studio
Describe any view of your money. Watch it build itself.
One sentence in plain English becomes a live widget on your dashboard — built from your real numbers, not a template. Try a prompt:
Try a prompt
These are real examples. At launch, you'll type anything you want — the Studio builds it in seconds.
Family support vs. investing — last 6 months
Both upYou're supporting family and still investing 18% of take-home. That's the whole game.
What you get
Everything your money needs. Nothing it doesn't.
All your accounts, one clear picture
Checking, savings, credit, loans — everything in one place, with a net worth line that finally answers "am I getting ahead?"
Budgets that adapt to your life
Not a punishment spreadsheet. Budgets flex with your real months and tell you what actually changed.
Family support, first-class
Sending money home isn't "miscellaneous" here. Plan it, track it, and be proud of it — no other app treats it this way.
An AI that knows your numbers
Ask anything in plain English and get answers from your real data — plus the Widget Studio to build any view you can describe.
Stock & investment tracking
Your portfolio next to your spending, so "grow more" stops being a separate app. Waitlist members get it first.
Automatic import via Plaid
Read-only bank connections that keep everything current without lifting a finger. CSV import gets you started on day one.
Why we exist
Earning well is one thing. Building wealth is another.
First in the family to earn like this
Nobody handed you a playbook for this income. You figured out the career — now the money deserves the same intentionality.
The "Black tax" is invisible to every other app
Supporting family is part of your reality, not a budgeting failure. We treat it as a first-class category, so you can plan for it instead of feeling guilty about it.
You don't need another spreadsheet
You need a system that watches your money, answers your questions, and shows you the path from income to legacy.
Security
Serious about safety. Because it's your money.
Trust isn't a feature — it's the foundation. Here's exactly how we protect you.
Read-only by design
Budget & Beyond can see your transactions to help you. It can never move money or change your accounts.
AI in a sandbox
Every generated widget runs isolated from your data store, gets its own test suite, and passes sanity checks before it ever renders.
Bank-grade encryption
Your data is encrypted in transit and at rest — the same standard your bank holds itself to.
Never sold. Ever.
We never sell your data, and we never will. You are the customer — not the product.
Where this is going
You're joining at the beginning. Here's the map.
Now
Founding waitlist
Lock in half-price Premium for life and get a direct line to the founders. Early members shape what we build next.
At launch
The essentials
All accounts in one place, adaptive budgets, CSV import, and the AI Widget Studio — the core, done right.
Next up
Connected accounts
Automatic, read-only bank import via Plaid — plus stock & investment tracking, so growth lives next to spending.
Beyond
Predictive power
"When will I be debt-free?" forecasts, and a community store to share the best widgets people have built.
Founding-member pricing, locked for life
Simple pricing. Half off, forever, for the waitlist.
Essentials
Everything you need to take control of your money.
billed $90 a year
Premium
The full AI-powered wealth-building toolkit.
waitlist rate, billed $90 a year — locked for life
Join the waitlist and lock in Premium for $10/mo — half off, forever.
Built by us, for what comes next
"I lived this: first-generation income, $40k of student debt, and no inherited roadmap."
I left college with $40k in loans and celebrated with a $25k car — nobody had handed me the playbook. Budgeting is how I saw the hole in time to climb out, and it eventually carried me into software engineering. Budget & Beyond is the Black-owned company my wife and I built to be the tool I needed then: one that respects where you started and is serious about where you're going. When you join the waitlist, you're not a lead in a funnel. You're one of the people we're building this for, and we read every reply.
— Chinedu Ozodi, co-founder of Budget & Beyond
Questions, answered
Fair questions. Straight answers.
We are in the final stretch of building. Waitlist members get access first, in the order they joined.
Members who join from the waitlist lock in Premium at half price — forever, not just for the first year. Your rate never goes up as long as your subscription stays active.
Yes. Connections to your accounts are read-only and bank-grade encrypted. AI-generated widgets run in an isolated sandbox and are tested before they ever render. We never sell your data — you are the customer, not the product.
Ask questions about your money in plain English and get real answers from your real numbers. Premium members can also describe any dashboard widget they want — "show my food spending vs. last month" — and the AI builds it on the spot, exactly like the demo above.
Automatic, read-only import via Plaid is next on the roadmap after launch. On day one, CSV import gets your full history in within minutes — and waitlist members get Plaid connections first.
Stock & investment tracking is coming shortly after launch, so your portfolio lives next to your spending. Waitlist members get priority access.
First access at launch, founding-member pricing locked for life, and a direct line to the founders — early members shape what we build next.
Your money should outlast you. Start building now.
Join the waitlist for first access at launch — and Premium at half price, locked for life.
No spam. One email when it's your turn, a few honest updates in between.