Name the one thing you're saving for. We'll tell you how far away it really is.
Paris. A down payment. Not panicking when the car breaks down. Pick one goal, answer a few rough numbers, and in two minutes you get an honest verdict: on track or behind, and how much money is leaving each month without a name.
Get my verdictFree. 2 minutes. No bank login.
The leak is bigger than it looks.
Take one ordinary habit, like eating out. It never feels like much in a given week.
MoneyWarden shows you what each choice costs over time, then asks one question: is it worth it to you?
One goal. Then the truth about it.
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Name your goal
One goal at a time works best. What it costs, when you want it, and rough monthly numbers for what comes in and goes out.
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Get your verdict, free
On track or behind, in months. How much you'd need to keep each month to make your date. And how much is leaving without a name.
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Go after it with the Freedom Plan
Your full Diagnostic, a guided hunt through your statements for the missing money, a commitment you own, and a Debrief every month that opens with: is your goal closer?
Same paycheck. Paris, sooner.
When you find the money that leaves without a name and decide for yourself what stays, your goal date moves. No raise required.
Example result
Freedom Debrief · March
Paris is 2 months closer.
You found $212 a month in the hunt.
You cut $165 of it.
New date for Paris: June, not August.
We'll never tell you to skip the coffee.
MoneyWarden isn't a budget that scolds you. We talk you through it, every month, and we're honest about where your goal stands. But you own it: you decide what gets cut, what stays, and what's protected. Mark anything as protected and it stays protected, month after month.
Start with a free verdict. Go after your goal with the Freedom Plan.
Your verdict
$0
The 2-minute check
- Name one goal, its price and its date
- On track or behind, in months
- How much is leaving each month without a name
- A preview of your Freedom Diagnostic
Leak Finder template
$29.99 one time
For Google Sheets and Excel
- Paste in your statements
- See exactly where every dollar went
- Yours to keep and reuse
Freedom Plan
$29.99 to start
Then $9.99 a month. Or $99 a year.
- Your Freedom Diagnostic: where you stand and what's in the way
- The hunt: we go through your statements together to find the missing money
- A commitment you own, with your own check-in day
- A Freedom Debrief every month that opens with: is your goal closer?
- The Leak Finder template, included. Cancel anytime
Prices in USD. Plans renew automatically until you cancel, and you can cancel anytime from your account.
Questions
Do I have to connect my bank?
No. You answer with rough numbers. In the Freedom Plan, the optional reality check asks for balances from your latest statements, and the hunt uses merchant names and amounts. You type everything in yourself, and we never ask for account or card numbers.
Is this financial advice?
No. MoneyWarden is an educational tool that helps you see what your spending costs over time. It doesn't recommend investments, loans or financial products.
How are my results calculated?
Every number comes from fixed formulas applied to what you enter, so the same answers always give the same results. MoneyWarden shows you what each choice costs. It never decides what you should change. You do.
Do my numbers need to be exact?
No. Ballpark numbers are enough to show where you stand. If they don't match your real balances, that difference is the leak, and the Leak Finder template helps you find it exactly.
What do I get with the Freedom Plan?
First, your Freedom Diagnostic: where you stand on your goal and what's in the way. Then the hunt: we tell you how much is missing each month, you go through your statements and tell us what you find, and anything you can't place gets a simple choice: cut it, keep it or protect it. Then you make a commitment in your own words and pick your check-in day. After that, every month your Freedom Debrief opens with your goal (closer or further, in months), checks how your commitment went, and tells you what moved. Every number comes from fixed formulas; an AI assistant writes the explanation from those numbers and never does the math. It's $29.99 to start, which covers the Leak Finder template and your first month, then $9.99 a month. Or $99 a year with the template included.
Can I cancel?
Yes, anytime, from your account. You won't be charged again after you cancel, and the template is yours to keep.
What's free, and what isn't?
The verdict is free: name your goal, answer a few rough numbers, and see whether you're on track and how much is leaving without a name. The full Diagnostic, the hunt, your commitment and the monthly Debriefs are part of the Freedom Plan. There are no free monthly check-ins; the plan is where the follow-through lives.
Will you tell me what to cut?
No. We'll show you what each charge costs and what cutting it would do to your goal date, and we'll ask whether something you don't even remember is really worth protecting. The decision is yours, every time.