The Couples Financial Battle Plan
Every dollar gets a mission.
Citadel Money is zero-based budgeting built for couple who want one shared plan. Great for singles too. Enter what you expect to earn, assign all of it, record what you spend, and always know what is left.
Free forever for manual budgeting. No card required.
August 2026 Battle Plan
Balanced- Planned income
- $6,240.00
- Assigned
- $6,240.00
- Left to assign
- $0.00
- Spent
- $2,118.44
- Remaining
- $4,121.56
Three questions, answered on every screen
Most budgeting tools fail because the maths is unclear or the data entry is slow. This one is built so you can update the plan in under two minutes a day.
How much is coming in?
Enter each paycheck and any other income you expect this month. Nothing is guessed for you.
Where is it going?
Assign every dollar to a category, a fund, or a debt until what is left to assign reaches zero.
What is actually left?
Record what you spend and watch planned, spent, and remaining update on the item, the group, and the month.
The Citadel Map
A budget tells you about this month. The Citadel Map tells you what this month is for. Seven phases, each with measurable criteria — the app works out where you are and what comes next.
Secure the Perimeter
Establish immediate control.
Eliminate Hostile Debt
Eliminate consumer debt except the mortgage.
Reinforce the Emergency Bunker
Save three to six months of minimum operating expenses.
Invest for Freedom
Build long-term wealth.
Train the Troops
Prepare for education without debt.
Name the Base
Pay off the mortgage.
Deploy for Impact
Live and give with intention.
Phases 1 to 3 run in order. Phases 4 to 6 run together once the foundation is set. Every phase gate shows its evidence, and a household owner can record a documented exception when a rule does not fit — nothing is ever silently marked complete.
Alignment before execution
Most joint budgets fail as a relationship problem, not a maths problem. The Couple Accord comes first: your money stories, your five financial values, and one honest comparison of where you each actually stand.
Your answers stay private until you choose to share them. There is no score, no ranking, and no way for one partner to read the other’s unshared answers.
Start the AccordMoney stories, recorded privately
What money meant growing up, whether it was discussed, and your earliest memory of it.
Five values, ranked and compared
See where you overlap and where you differ. Difference is information, not a verdict.
Full disclosure, once, together
Both of you complete a snapshot independently. The app shows the factual differences.
Personal spending, agreed
An equal, no-questions-asked amount each. The release valve that keeps a shared plan liveable.
Build the plan in ten minutes
Start with the free tier and a starter template. Add bank connections and partner sharing whenever you are ready.
Create your account