I’ve always been into fitness, and one philosophy that stuck with me was If It Fits Your Macros (IIFYM). It’s essentially flexible dieting, the idea that you can eat anything as long as it fits your goals. No extreme restriction, just live life how you want while staying on top of your long-term goals. During a rough financial patch, I realized budgeting should work the same way. Most budgeting tools feel restrictive. They tell you what you can't do, have insanely ridget, and predfined budget categories, but life doesn't follow a strict plan. You've got events coming up like birthdays, holidays, or a spontaneous date night. Your budget should adapt around those things. Especially when it comes to variable expenses. That's when Frugl clicked. It’s like IIFYM but for money. You can plan a $90 Sunday date or buy Christmas gifts, and the app will automatically rebalance your daily budget so you can still hit your savings goals. It’s built for flexibility, not shame. Real budgeting for real life.

Frugl

Modular finance tracker

Modular finance tracker