First apartment
Rent, energy, internet, insurance: know what’s left to live on from the very first month.
Budget management
A simple, free budgeting app with no spreadsheets
Enter each bill once, and Ecomely works out the due dates and shows you what you’ll really have left at the end of the month. Subscriptions, debts, loans and savings in one place, with no required access to your bank.
Free, no credit card, no commitment.
- Free forever
- No bank connection required
- Zély reminds you before every due date
The essentials
- 01
Left to Live On
What’s already paid, what’s coming up and what you’ll have left: one card for the whole month.
- 02
Recurring or one-off
Rent, subscriptions, insurance, taxes: monthly, quarterly, yearly or a custom frequency.
- 03
Debts and loans
What you owe, what you’re owed, and your loan repayment schedules with their progress.
- 04
Custom reminders
On the day, or 1, 3 or 7 days before: you choose when to get a heads-up.
What it looks like in Ecomely
This month's expenses
1 120,00 €Paid and upcoming, combined
790,00 €
Already paid · 71 %
330,00 €
Upcoming · 29 %
How to manage your budget without spending your evenings on it
Most budgets fall apart after three weeks because you have to keep re-entering everything. Here, you add each bill just once with its amount and frequency, and the next due dates are created automatically. Everyday spending takes one sentence (“$32 on groceries”) or you can just tell Zély.
If you prefer, import a bank statement (CSV, OFX, QIF or PDF): anything that comes back every month is recognized and turned into a recurring bill, once and for all. Your budget is set up in minutes, and after that it practically runs itself.
Your income, kept separate
Salary, pension, benefits: regular income is tracked as income, never mixed up with spending.
Just tell Zély
“Rent €780 on the 5th,” “€45 of gas”: Zély understands and files it in the right place.
What you really have left, every day of the month
The number that matters isn’t your account balance: it’s what you’ll have left once all of this month’s bills are paid. Ecomely calculates it continuously from your income, your planned bills and what you’ve already spent. You always know whether you can treat yourself or should wait for payday.
Categories show where your money goes and how that changes month to month. An anonymous comparison with households of the same size helps you spot the spending areas that are getting out of hand.
Subscriptions and bills: spot what costs too much
Streaming, internet, phone, gym, insurance: subscriptions pile up without you noticing. Ecomely lists them all in one place with their monthly and yearly cost, renewal date and any price increase. Want to cancel one? The cancellation letter is drafted for you, and the expense is paused.
Reviewing your subscriptions once a year can often save you dozens of euros a month, without changing anything in your daily life.
Debts, loans and savings in one place
A rejected direct debit becomes a debt in one tap, with a repayment schedule and reminders. Your loans (mortgage, car, personal) stay visible with what’s left to pay. For savings, create money pots for your goals (vacation, car, home improvements) and track every deposit.
Your net worth (what you own minus what you owe) is calculated automatically, so you can see your overall situation over the long term.
A budget your way: solo, as a couple or as a family
Each space has its own budget. Track your personal budget, a shared budget with your partner or roommates (who paid for what, who owes whom how much), a budget for freelance work or for a project. Create as many spaces as you like, for free, and invite anyone you want.
Your data stays hosted in France, is never sold, and Ecomely never requires access to your bank account.
Get a clear view of your budget in 5 minutes Create your free account, add your fixed bills, and see what’s left to live on.
Create my free accountHow to make a monthly budget: the 6-step method
This method works with Ecomely just as well as with a notebook. The key is to stick with it for three months: after that, it becomes second nature.
List your monthly income
Take-home pay, benefits, pensions, self-employment income: only what actually lands in your account, on the date it arrives.
Write down all your fixed bills
Rent or mortgage, energy, insurance, phone, internet, transportation, subscriptions, monthly tax installments. Don’t forget yearly bills: divide them by twelve.
Work out what’s left to live on
Income minus fixed bills: that’s what remains for groceries, going out, the unexpected and savings. It’s the number to keep an eye on.
Set an envelope for everyday spending
Groceries, gas, leisure: give yourself a weekly amount rather than a monthly one. It’s easier to stick to.
Pay yourself first
Set aside a small amount as soon as your paycheck arrives, even €20 or €50. Savings that wait for the end of the month never happen.
Review every month
Compare planned and actual, spot the area that’s slipping and adjust one thing at a time. A budget gets better in small steps.
How it works
- 1
Create your free account
30 seconds, no credit card needed.
- 2
Add income and fixed bills
Once, with their frequency. Or import a statement.
- 3
Log your everyday spending
One sentence is enough, or just tell Zély.
- 4
Track what’s left to live on
Always up to date, with reminders before every due date.
Who is it for?
Family
The year’s big bills (insurance, property tax, back-to-school) planned ahead instead of catching you off guard.
Tight end of month
See right away what’s due before payday, and push back what you can.
Savings goal
A money pot for a vacation or a car, and the satisfaction of watching it fill up.
The Ecomely apps for this
Finances Ton budget du mois clair d’un coup d’œil, sans connecter ta banque.Coffre numérique Photos, papiers et sons de la famille rangés, retrouvés, partagés.Zély, assistante IA personnelle Ton assistante IA personnelle : tu lui parles, elle organise ta journée et agit pour toi dans tout ton espace.
Frequently asked questions
What’s the best free budgeting app?
The one you actually keep using. Ecomely is built for simplicity: each bill entered just once, due dates calculated automatically, an always up-to-date Left to Live On figure, and no bank connection required. The Finances module is free, with no time limit.
Do I need to connect my bank account?
No. Ecomely works without a bank connection: you add your bills, log spending in a sentence or import a statement. Nothing accesses your account unless you choose it.
Can I import a bank statement?
Yes, in CSV, OFX, QIF or PDF format. Transactions that repeat every month become recurring bills, once and for all.
Can I manage a budget as a couple?
Yes, with a free Shared Space: you both see the same budget, and Ecomely works out who paid for what and who owes how much.
How do I calculate what’s left to live on?
Left to Live On = monthly income − monthly fixed bills. Ecomely calculates it for you and updates it with every expense you log.
Does Ecomely replace an accountant?
No. It’s a personal budget tracking tool, not accounting or tax filing software.
Is my financial data secure?
It’s hosted in France, sent over an encrypted connection and never sold. You can export or delete it at any time.
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Get a clear view of your budget in 5 minutes
Create your free account, add your fixed bills, and see what’s left to live on.
Free, no credit card, no commitment.