See every dollar — and your way out of debt.
Earmarkr is zero-based budgeting with a transparent credit-card model and a funded plan to get out of debt — plus one-click YNAB import and Plaid bank sync. Fully hosted, and accurate to the cent.
Import your YNAB budget in minutes · 50% off for the first 100 beta subscribers
Ready to Assign
$0.00
| Category | Carried | Assigned | Activity | Available |
|---|---|---|---|---|
| Immediate Obligations | ||||
| Rent | $0.00 | $1,850.00 | -$1,850.00 | $0.00 |
| Groceries | $42.10 | $600.00 | -$517.40 | $124.70 |
| Electric | $0.00 | $120.00 | -$118.40 | $1.60 |
| Credit Card Payments | ||||
| Sapphire Card · PaymentReserve held | $320.00 | $0.00 | $412.00 | $732.00 |
| True Expenses | ||||
| Auto Maintenance | $210.00 | $50.00 | $0.00 | $260.00 |
| Insurance | $83.00 | $90.00 | $0.00 | $173.00 |
| Dining Out | $0.00 | $80.00 | -$125.00 | -$45.00 |
Shows its math
See how every number is built — starting with credit cards: funded vs. debt, reconciled to the cent.
A funded path out of debt
Your loan and card payments are real budget categories, with payoff projections and interest saved.
One-click YNAB switch
Import your YNAB export .zip and preview your whole reconciled budget before you commit.
Accurate & private
Integer-cent money math, encrypted secrets, and mandatory two-factor — and we never sell your data.
Shows its math · pillar one
A credit-card model that shows its work
Most budgeters treat cards as a black box. Earmarkr shows exactly how each charge moves money into a payment reserve — funded vs. debt — and reconciles the earmark to the cent.
- A funded charge moves money from the spending category into the card’s payment reserve — no double-counting.
- The unfunded portion is tracked as card debt, visible but kept off your Ready-to-Assign.
- A transparent payment ledger with a per-charge trace: funded charges in, payments out, funded-vs-owed at a glance.
Sapphire Card
Payment reserve · money set aside to pay this card
Balance owed
$1,084.20
Reserve held
$732.00
Still to fund
$352.20
- +$87.40
Whole Foods
Jul 2 · Funded charge
- -$500.00
Payment from Checking
Jul 5 · Payment
- +$52.10
Shell Fuel
Jul 9 · Funded charge
- +$248.00
Delta Airlines
Jul 14 · Funded charge
- +$66.00
Return · Nordstrom
Jul 18 · Refund
Net worth
$71,084.00
Age of Money
38 days
This month spend
$3,247.15
Net worth over time
12 monthsGets you out of debt · pillar two
A funded plan to get out of debt
Debt calculators don’t know your budget; budgets don’t plan your payoff. Earmarkr closes the loop — your debt payments are real, funded budget categories, so the plan to get out of debt is the same money you’re actually budgeting.
- Every loan and card payment is a funded budget category — your payoff plan is your budget, not a separate calculator.
- Loan & mortgage payoff projections replay your real payments and show the interest you save by paying extra.
- The credit-card reserve keeps new spending separate from old debt, so you always know exactly what you’re carrying.
On the roadmap: a guided snowball/avalanche planner that turns these pieces into a single funded payoff plan — built on the payoff engine that’s already here.
Switch in minutes
Bring your whole YNAB budget with you
Export your budget from YNAB and drop the .zip into Earmarkr. Accounts, categories, transactions, transfers, and every month’s budgeted amounts come across — and you preview the whole reconciled budget before you commit, with a per-account report to prove it.
01
Upload the export .zip
02
Map & preview the math
03
Reconciles to the cent
Everything in one place
A complete financial picture
Zero-based budgeting, reports and Age of Money, and a categorized register that keeps itself tidy.
Give every dollar a job
True zero-based budgeting — assign the money you actually have until Ready-to-Assign hits zero. Carryover, activity, and available roll forward month to month.
- Ready-to-Assign is your real available cash, not a cash-flow guess.
- Carried / assigned / activity / available per category, every month.
- Overspending is handled honestly — cash shortfalls reduce next month, card debt does not.
Ready to Assign
$0.00
| Category | Carried | Assigned | Activity | Available |
|---|---|---|---|---|
| Immediate Obligations | ||||
| Rent | $0.00 | $1,850.00 | -$1,850.00 | $0.00 |
| Groceries | $42.10 | $600.00 | -$517.40 | $124.70 |
| Electric | $0.00 | $120.00 | -$118.40 | $1.60 |
| Credit Card Payments | ||||
| Sapphire Card · PaymentReserve held | $320.00 | $0.00 | $412.00 | $732.00 |
| True Expenses | ||||
| Auto Maintenance | $210.00 | $50.00 | $0.00 | $260.00 |
| Insurance | $83.00 | $90.00 | $0.00 | $173.00 |
| Dining Out | $0.00 | $80.00 | -$125.00 | -$45.00 |
Reports, net worth & Age of Money
Spending, cash flow, net worth, and budget-vs-actual — plus YNAB’s Age of Money. Export any report to CSV or PDF, reconciled to the screen.
- Net-worth trend signed correctly by account type, including credit and loans.
- Age of Money — how long your dollars sit before you spend them.
- CSV + tabular PDF exports that reconcile to the screen, to the cent.
Net worth
$71,084.00
Age of Money
38 days
This month spend
$3,247.15
Net worth over time
12 monthsA register that keeps itself tidy
Categorize inline, reconcile against your statement, and let learned payee rules shrink the “needs review” pile on every import.
- Learned rules from the way you already categorize.
- Auto-apply on import, or suggest for one-click accept.
- Rules never overwrite a category you set by hand.
- Jul 18Trader Joe’sGroceries-$64.13
- Jul 17Acme PayrollInflow: Ready to Assign$3,120.00
- Jul 16Blue Bottle CoffeeDining Out-$7.40
- Jul 15Con EdisonElectric-$118.40
- Jul 14Delta AirlinesNeeds a category-$248.00
- Jul 13SpotifySubscriptions-$11.99
How it works
Connect. Budget. Track.
01
Connect
Link your banks with Plaid in one click, import your YNAB budget, or add accounts by hand.
02
Budget
Give every dollar a job — fund categories, card reserves, and debt payments until Ready-to-Assign hits zero.
03
Track
Categorize, reconcile, and watch reports, net worth, and Age of Money keep you honest.
Loved by budgeters
Built for people who left the black box behind
Placeholder testimonials — swap for real quotes at launch.
“The credit-card reserve finally made my budget match reality. I can see exactly what’s set aside to pay each card.”
Alex R.
Former YNAB user
“My debt payments are just budget categories now, so the payoff plan is the actual money I’m assigning. It finally clicked.”
Priya M.
Paying down two cards
“Importing my YNAB export took one drag-and-drop, I previewed the whole budget, and everything reconciled. I switched over a coffee break.”
Jordan K.
New subscriber
Give every dollar a job.
Create an account and import your YNAB budget, connect a bank, or start fresh in minutes.