Watch your tree grow from seedling to ancient oak. Seven stages from $0 to $100K+ — every dollar saved is a leaf you can see.
Three buckets — Save, Needs, Wants. Choose from 6 allocation methods or build your own custom split.
Ask anything about budgeting, saving, or debt — like a financial advisor in your pocket, available 24/7.
Snowball, Avalanche, or Acceleration methods. See your debt-free date update in real time as you crush it.
Elm brings every piece of your financial life into one beautiful, simple place. Your money, finally under control.
Auto-import and categorize transactions from all your accounts. Plaid-powered with 256-bit encryption.
2025 IRS data. W-2 and 1099 support, state taxes, home office deductions, and quarterly estimates.
Create goals with target amounts and dates. Track progress toward your emergency fund, vacation, or down payment.
Share the journey with up to 5 family members. Individual trees, shared goals — financial literacy for everyone.
No spreadsheets. No confusion. Just one app that handles everything automatically.
See your complete financial picture with interactive charts. Track assets, liabilities, and watch your net worth grow over time.
Create custom goals with target amounts and dates. Track progress toward your emergency fund, vacation, or down payment.
2025 IRS calculations with W-2 and 1099 support. Includes state taxes, safe harbor, home office deductions, and quarterly estimates.
Share your financial journey with family. Up to 5 accounts with individual trees and shared savings goals.
Based on the 50/30/20 rule, refined for real life. Choose your split or follow the Elm Method — financial clarity in three buckets.
Pay yourself first. Emergency fund, investments, and long-term goals.
The essentials. Rent, utilities, groceries, insurance — what keeps your life running.
Live your life. Dining out, entertainment, shopping — guilt-free, within your plan.
No finance degree required. Elm meets you where you are.
Create your account in seconds. Free to start, no credit card needed.
Link your bank accounts securely through Plaid. We never store credentials.
Choose your allocation method. The Elm Method or customize your own split.
Your savings tree grows as your finances improve. Every dollar counts.
Real people, real financial progress. Here's what our community says.
"The savings tree is genius. Watching it grow from a seedling gave me motivation I never had with spreadsheets. I've saved more in 3 months than all of last year."
"The No Mercy notification mode is hilarious and actually works. 'Pick a struggle, bestie' after I subscribed to another streaming service had me canceling immediately."
"Finally, a budgeting app that doesn't feel like homework. The three-bucket system is so simple my whole family uses it. The Family Forest plan is worth every penny."
"The Elm AI coach explained investing concepts better than any YouTube video. It's like having a financial advisor in your pocket who actually speaks your language."
"I was $42K in debt and felt hopeless. Elm's Freedom Plan broke it down into something manageable. The squirrel celebrating each payoff milestone gets me every time."
"The tax estimator alone saved me from underpaying quarterly taxes. Add in the beautiful design and the cute squirrel? This is the only finance app I've stuck with."
Join Elm and start your journey to financial freedom. Free plan available — upgrade when you're ready.