Thirty days free. Then pay once, and it’s yours.

Yes, and a flexible one. Budgeting in Tobsy is called intentions: set one per category in dollars or as a percent of income, and see what is left against your income, so you can assign every dollar the zero-based way, or let rollover and roll-under carry an envelope-style cap. A Savings floor lets you pay yourself first, and goals come with a suggested amount a month. Tobsy shows where you sit against each one, with no telling-off.

Tobsy is one: thirty days free, then A$59 once, with no renewal. Its intentions fit the zero-based way of budgeting, and there is no bank connection: you enter spending yourself, or catch up from a screenshot or a statement. The YNAB comparison sets the two side by side.

Because no server of ours holds your data. Your entries live in a Google Sheet in your own Drive, so there is nothing of yours for us to keep and nothing to charge you for each month. The one small server we run holds your email and your key.

No. Tobsy is a cash flow management app on your phone and computer, with screens of its own: quick entry, analysis, usual ranges, intentions, goals and a six-month forecast. The Google Sheet is the database you own — the app reads and writes it for you, and you can go months without opening it. What you buy is the app; the sheet is where your data lives, which is why it stays yours and why there is no subscription.

Yes. Your data lives in a Google Sheet in your own Drive, so you need a Google account. A free one is fine. Tobsy asks for permission to work in that one spreadsheet and nothing else.

No. Entering a purchase yourself is the point — it takes a few taps and it's the moment you notice. For catching up, you can paste a statement or import a screenshot from your banking app, review the rows, and bring them in. Nothing reaches your ledger without you looking at it first.

The app stops and asks to be paid for. Everything you entered is still in your sheet, and you can download all of it whether you pay or not. Paying takes about a minute and puts you back exactly where you were.

Nothing. Every screen, every import, every report. The only difference is one calm line in Settings counting the days.

Yes. One copy holds up to six people, and any two of them can share a household. Shared costs are split the way you choose, each of you sees your own share, and Tobsy keeps track of who fronted what so you can settle up. Income stays personal — a household has no income of its own, only the sum of yours.

Any currency. Pick a base currency, and record foreign spending in its own currency with the rate frozen on the day. Dates and numbers follow your country's formatting. The app speaks English, Spanish, Portuguese, Italian, German, Dutch and French; this website is in English.

Your key does not expire, and your sheet is yours: every entry stays readable and downloadable with no Tobsy at all. The app itself does lean on two things we run, a small piece of code your copy talks to and the website the app loads from. If Tobsy shut down, we would publish both so existing copies keep working without us; the sheet is the part that survives anything.

Ask within 14 days and we'll refund it — no explaining, no arguing. The receipt email from Paddle links to paddle.net, where you can do it yourself, or write to hello@tobsy.app and we'll do it from our end. A refund stops the app the next time it's opened; your sheet and your data stay yours, and you can still download everything. The terms say the same in slightly longer words.

Yes. It's a spreadsheet — open it in Google Sheets any time. Inside the app, Export gives you everything as a file, and the monthly and analysis reports print to PDF. Nothing is locked in, including after the trial ends.