A free personal finance app that shows exactly where your money goes and builds a step-by-step path out of debt — no subscription, no cloud, no nonsense.
Most finance apps assume you'll follow their budget perfectly. Groundwork assumes you won't—because people don't.
Instead, it watches what you actually do (when you pay, how you adjust budgets, how quickly you recover from mistakes), learns the patterns, and adapts. It rewards progress, not perfection.
The goal isn't to optimize your money. It's to help you become the kind of person who naturally makes good financial decisions.
Built for real people who are tired of not knowing where their money went.
Import your bank transactions and see exactly where every dollar went. No manual entry, no spreadsheets.
Snowball or avalanche — Groundwork builds your payoff schedule and shows your debt-free date.
Watch your number go up every month. Balances update automatically as your transactions import.
Never get caught off guard by Christmas or birthdays again. Plan ahead with sinking funds.
Plain-English summary of how your month went and one concrete thing to do differently — runs privately on your own machine by default.
No account needed. No cloud sync. No subscription. Your finances are nobody else's business.
Most personal finance apps are built for people who already have money. They're beautiful, expensive, and completely useless if you're trying to figure out how to make rent and pay off $12,000 in credit card debt at the same time.
Groundwork is different. It was built by someone who's been there — who knows that what you need isn't another budgeting philosophy, but a concrete plan with real numbers and a real date when things get better.
It's free. Always will be.
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