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LizAI Studios · Privacy-First Family Finance

Budget smarter.
Together as a family.

No bank logins. No broken connections. No data selling. Just AI-powered tracking that actually works — shared in real time with your partner.

📱 Try the App Free Why us? ↓
Family Budget Tracker
March 2026 · Overview
Total Spent−$3,247.50
Monthly Budget$4,500.00
Remaining$1,252.50
Transactions38 this month
✓ On Track
You're 27% under budget at this point in the month
🔒No bank login required
🚫We never sell your data
📱Works offline · PWA
🤝Family sharing included
🎉Free during beta
🇨🇦Built for Canada
The Difference

Other Apps vs. Family Budget Tracker

✗ The Problems With Other Apps

✗
Broken bank connectionsPlaid links break constantly. YNAB, Monarch, Copilot all rely on it — and users constantly hit dead ends when syncing fails.
✗
Data selling & privacy risksApps like Empower are free because they monetize your financial data. Plaid faced a $58M class-action for over-collecting credentials.
✗
Extra charge for household sharingYNAB charges +$15/month for a second user. Copilot charges +$10/month. Family budgeting shouldn't cost double.
✗
Canadian banks not supportedMost Plaid-based apps have limited or no support for Canadian financial institutions, making them effectively useless north of the border.
✗
Calendar-month budgeting onlyNo app tracks per-card billing cycles. Your Visa statement closes on the 15th, your Mastercard on the 28th — apps ignore this entirely.

✓ How We're Different

✓
AI statement import — no bank loginPaste a statement, upload a PDF, or photograph your bank app screen. AI extracts transactions in seconds. No Plaid. No broken connections. Ever.
✓
Privacy-first by designWe don't connect to your bank, store credentials, or sell data. You enter what you choose to enter. Your financial life stays yours.
✓
Family sharing included at no extra costInvite your partner with one tap. Both of you see the full household picture in real time — your cards, their cards, shared goals, everything.
✓
Works for Canadian usersBecause we don't rely on Plaid, every Canadian bank works. We're built in Canada, for Canada — and priced in CAD.
✓
Per-card billing cycle trackingEach credit card has its own cycle. Track spending against your actual statement period, not an arbitrary calendar month. See your real balance at any moment.
Core Features

Everything Your Household Needs

📅

Per-Card Billing Cycles

Each credit card has its own statement cycle. We track spending against your real due dates — not arbitrary calendar months that create false "overspending" signals.

🤖

AI Statement Import

Paste a statement, upload a PDF, or photograph your bank screen. Powered by Gemini AI — extracts transactions automatically with near-perfect accuracy. No typing.

👨‍👩‍👧

Shared Household View

Both partners see all cards, all spending, all goals — in real time. Each person manages their own cards while sharing a unified household picture.

📊

Card Utilization Tracking

See exactly how much safe-to-spend you have left on each card within its billing cycle. Track utilization per card so you're never caught off guard — and get AI-powered tips on managing balances across your household.

🎯

Savings Goals

Create targets for vacations, emergency funds, or big purchases. Track progress as you go and see if you're on track based on current spending patterns.

🔒

Privacy-First, Always

No Plaid. No bank credentials. No data selling. You control every piece of financial information in the app. What you enter stays yours.

LizAI Studios

Our Apps

Practical, beautifully designed tools for real everyday life. Built with care for families and individuals.

Family Budget Tracker

Family Budget Tracker

Live

A full-featured household finance tracker. No bank login, no data selling — just AI-powered statement import, real-time household sharing, per-card billing cycles, card utilization tracking, and savings goals. Built in Canada, for Canada.

PWA Gemini AI Real-time sync Per-card cycles Privacy-first 🇨🇦 Canadian pricing
🔭

Coming Soon

In Development

Another tool from LizAI Studios is in the works. Stay tuned.

✨

Coming Soon

In Development

We're always building. Follow LizAI Studios for updates.

Support

Frequently Asked Questions

Everything you need to know about Family Budget Tracker and LizAI Studios.

What is Family Budget Tracker?
▾
Family Budget Tracker is a household finance app designed for couples and families who want to manage their shared spending together. You can track multiple credit and debit cards, log transactions using AI import, set savings goals, and track per-card utilization — all with both partners seeing the same live data. Unlike other apps, we never connect to your bank and never sell your data.
Why don't you connect to my bank?
▾
By design. Most budgeting apps use Plaid to sync with banks — but Plaid connections break constantly, and 60% of apps that use it share or sell your data. We use AI-powered statement import instead: paste a bank statement, upload a PDF, or photograph your bank screen and our AI extracts transactions automatically. This approach is actually more reliable and far more private. It also means every Canadian bank works, since we don't depend on Plaid's limited Canadian coverage.
Is it available on iPhone and Android?
▾
Yes! Family Budget Tracker is a Progressive Web App (PWA), which means you install it directly from your browser on any device — iPhone, Android, iPad, or desktop. No App Store approval delays, no Android/iOS fragmentation, and no risk of being delisted. On iPhone: tap the Share button in Safari → "Add to Home Screen." On Android: tap the browser menu → "Install App." Once installed it works like a native app, even offline.
How does family sharing work?
▾
From the Profile tab in the app, generate a personal invite link and share it with your partner. When they sign in, they enter that link to join your household. Once connected, you both see all cards, transactions, and goals in real time. Each person still manages their own cards individually, but you share a unified household view. Most competitors charge $5–$15 extra per month for this feature — we include it at no extra cost.
What does the AI import feature do exactly?
▾
Powered by Google Gemini AI, the import feature lets you paste a bank statement, upload a PDF or CSV, drag and drop screenshots, or photograph your bank app screen. The AI reads it, extracts the individual transactions (date, amount, merchant), and populates them into your tracker automatically. Duplicates are detected and flagged. AI receipt/statement OCR has reached near-perfect accuracy (99%+) — significantly more reliable than Plaid bank sync.
What's per-card billing cycle tracking?
▾
Every credit card has its own statement date — your Visa might close on the 15th, your Mastercard on the 28th. Most budgeting apps only track by calendar month, which creates confusing "overspending" signals that don't match your actual statements. Family Budget Tracker tracks spending against each card's real billing cycle, so your balances always match what you see on your actual statement.
Is my financial data secure?
▾
We take privacy seriously. The app does not connect to your bank — you manually enter or import transactions yourself. All data is stored in your private Firebase account, secured with authentication, and only accessible to members of your household. We do not sell or share your personal or financial information with third parties. Please review our Privacy Policy for full details.
How much does it cost?
▾
Family Budget Tracker is currently free during our open beta — no payment required. Paid plans are coming soon. When billing launches, pricing will be available in CAD for Canadian users. Early beta users will receive special consideration. Join now to lock in your access before pricing goes live.
Does it work without internet?
▾
Yes. As a PWA the app caches its core interface and loads even without an internet connection. You can browse your existing data while offline. When you reconnect, changes sync automatically.
How do I contact support?
▾
Email us at support@lizai.biz. We're a small, dedicated team and typically respond within 1–2 business days. We genuinely appreciate feedback — many features were shaped by early user suggestions.
LizAI Studios

Legal

Privacy Policy

LizAI Studios · Last updated: March 2026 · support@lizai.biz

At LizAI Studios, we believe your financial data belongs to you — and only you. This Privacy Policy explains what information we collect, how we use it, and the choices you have. By using Family Budget Tracker ("the App"), you agree to the practices described here.

1. Information We Collect

Account Information. When you create an account, we collect your email address and any display name you provide. This is used solely to identify your household account and authenticate you.

Financial Data You Enter. Any transactions, card names, amounts, notes, or savings goals you input are stored under your household's private record. We do not read, analyze, or share this data beyond providing the service to you.

Usage Data. We may collect anonymized, aggregate information about how the app is used to improve the product. This data is never linked to your identity.

AI Import Data. When you use the AI import feature, the text or content you paste is sent to Google's Gemini API for processing. Please do not include sensitive information like full account numbers or PINs. Google's data handling is governed by their own privacy policy.

2. How We Use Your Information

  • To provide, maintain, and improve the App
  • To authenticate you and secure your household's data
  • To send important service updates or security notices (no marketing spam)
  • To process subscription payments through our payment provider

3. Data Storage and Security

Your data is stored in Google Firebase, which provides industry-standard encryption at rest and in transit. Access to your household data is restricted by Firebase security rules — only authenticated members of your household can read or write your records. We do not have direct access to your bank accounts.

4. Third-Party Services

  • Google Firebase — database, authentication, and hosting
  • Google Gemini AI — AI-powered transaction import
  • Stripe (or similar) — subscription payment processing

5. Data Sharing

We do not sell, rent, or share your personal or financial data with advertisers, data brokers, or third parties for commercial purposes. We may share data only as required by law or to protect the rights and safety of our users.

6. Your Rights

You may request deletion of your account and all associated data at any time by emailing support@lizai.biz. We will process deletion requests within 30 days.

7. Children's Privacy

The App is not directed at children under 13. We do not knowingly collect personal information from children.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We'll notify you of significant changes via the App or by email.

9. Contact

Questions? Email us at support@lizai.biz.

Questions about our legal documents? support@lizai.biz — we'll explain anything in plain English.