Your Money. Your Rules.
Your Rewards.

Yes, completely free. You get AI budget creation, the Budget Buddy assistant, manual expense tracking, gamification with points and leaderboards, and eligibility for monthly prize giveaways — all without paying a cent. There's no trial period and no credit card required. The Pro plan at $4.99/month adds automatic bank syncing and bonus rewards, but the free version is a full-featured budgeting app on its own.

When you choose "Create a Budget For Me," our AI asks you a few quick questions about your income, recurring bills, financial goals, and lifestyle. It then analyzes your responses against proven budgeting frameworks to generate a complete, categorized budget optimized for your situation. The whole process takes about 60 seconds, and you can customize any category after it's generated.

Absolutely. For Pro users who connect bank accounts, we use Plaid — the same security platform trusted by Venmo, Robinhood, and Coinbase. We never store your bank login credentials. All data is encrypted in transit and at rest using bank-level AES-256 encryption. Your financial information is never sold to third parties.

Every month, we run giveaways that include gift cards to popular retailers, cash prizes, and premium app subscriptions. The prizes rotate monthly and increase as our community grows. Both free and Pro users are eligible. Pro users receive double entries and access to higher-value prize tiers. Your accumulated points determine how many entries you earn each month.

Not at all. Bank syncing is a Pro feature that automates transaction tracking, but the free plan works perfectly with manual entry. Many users prefer to manually log transactions because the act of entering each purchase increases spending awareness. You can always upgrade to Pro later if you want automatic syncing.

Three major differences. First, gamification: we turn budgeting into a game with points, scores, streaks, and leaderboards that keep you motivated. Second, real rewards: your engagement actually qualifies you for monthly prizes, which no other budgeting app offers. Third, AI assistance: Budget Buddy gives you personalized financial advice anytime, like having a financial advisor in your pocket. Plus, our core app is free — YNAB costs $14.99/month.

Yes. Our AI budget creator handles irregular income by letting you set variable income ranges and priority-based spending tiers. You can create multiple budget scenarios for high and low income months. Budget Buddy can also help you build a buffer strategy so you always know what to prioritize when income fluctuates. Freelancers, gig workers, and commission-based earners use New Day Budgeting every day.

Your New Day Score is a personal financial engagement metric that reflects how consistently you're managing your money. You earn points by logging transactions, staying under budget, maintaining daily streaks, and hitting savings milestones. The score updates in real-time and feeds into the monthly leaderboard. A higher score means more giveaway entries, making it both a motivational tool and a path to real rewards.