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Paqid
פָּקִיד — Hebrew for "overseer"

Steward what you've been given.

Paqid is a privacy-first way to oversee your money with intention — give every dollar a purpose that fits your values, make room for generosity, and trade money anxiety for peace. No bank logins, ever.

Best value
$45/year
$3.75 a month — two months free
$4.50/month
$54 a year, billed monthly
One plan, everything included — just pick monthly or yearly. 45-day free trial, no card required.
  • ✓Oversee what you've been entrusted with — every dollar gets a purpose that reflects your priorities. how it works →
  • ✓Catch every charge — you enter each transaction yourself, so nothing slips by. No mystery subscriptions hiding as "Apple.com" or "PayPal."
  • ✓Make room for generosity — plan giving and saving first, not with the leftovers. on stewardship →
  • ✓Peace, not anxiety — always know what's safe to spend.
  • ✓Private by design — no bank linking, ever. Your money and data stay yours. why no bank linking →
  • ✓With you everywhere — fast on your phone, installable like an app.

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$45/year or $4.50/month after your 45-day trial. By starting a trial you agree to our Terms and Privacy Policy.

© 2026 Paqid

Why you might be interested

Four reasons people end up here, and where to read more about each.

You want a budget that actually decides things

Tracking tells you in March what you did in February. Envelope budgeting asks you to give the money in your account a job today, before anything else claims it.

How envelope budgeting works →

You never wanted to hand over your bank login

Most budgeting apps route your accounts through a third-party data aggregator. Paqid has no bank connection at all — you enter what you spend, which takes seconds and keeps your history yours.

Why there's no bank linking →

You'd rather steward than optimize

Most money tools assume your problem is not having enough. If yours is looking after what you already have — and funding generosity first rather than last — this is built for that.

Budgeting as stewardship →

You like the method but not the subscription

If you've budgeted this way before and your objection is the bank connection or the price creeping up each year, here's an honest account of what's the same, what's different, and what you'd give up.

Coming from YNAB →