Needs vs. Wants
The simplest budget framework. Two categories: things you need and things you want. Perfect for getting started without overthinking.
era.app/categories/needs-vs-wants
Category packs
Organize your money the way you think
Pre-built category systems for every financial philosophy. Fork one, customize it, or build your own from scratch.
AllStarterPopularAdvancedMindfulBusinessHousehold
Browse categories
50/30/20 Budget
The classic framework: 50% needs, 30% wants, 20% savings. Transactions auto-categorize into the three buckets.
era.app/categories/50-30-20
FIRE tracker
Hyper-granular categories optimized for FIRE (financial independence). Tracks savings rate, investment contributions, and lean vs. fat FI projections.
era.app/categories/fire-tracker
Envelope method
Digital envelopes for every spending category. When an envelope runs out, you stop spending. Simple, tactile, effective.
era.app/categories/envelope-method
Values-based spending
Categories aligned to your personal values — health, relationships, growth, security. See where your money goes relative to what matters.
era.app/categories/values-based
Freelancer pro
Separate business and personal expenses automatically. Track tax-deductible categories, quarterly estimates, and client project costs.
era.app/categories/freelancer-pro
Couple’s merge
Joint and individual categories for couples combining finances. Shared bills, joint savings, and personal discretionary spending.
era.app/categories/couple-merge
Student essentials
Tuition, textbooks, food, social, and transport. The minimal set for students with limited income and complex aid.
era.app/categories/student-essentials
Zero-based monthly
Every dollar gets a job. Allocate your full monthly income across granular categories until you hit exactly zero. No unaccounted money.
era.app/categories/zero-based-monthly
MCP-native
Categories that understand context
AI agents use categories to structure spending analysis. When you ask Claude to break down your spending, the categories you choose determine how granular and useful the answer is.
Ready to organize?
Organize your finances your way
Pick a category pack, customize it, and let your AI agent use it to give you better answers.