ourbudgets.com

What It Is

Our Budgets is a budgeting tool for individuals and families. The page title clearly describes it as a “Free Budget Planning Tool.” Based on the main copy, the product was created by Dave and Claire Shepherd to meet their own family finance needs. Its goal is to replace complicated spreadsheets and budgeting apps that ordinary users find confusing, making it easier to understand where the money is going.

Core Features and Ease of Use

From the captured page content, the site currently shows entry points such as New Budget, Login, and Register, indicating that it supports budget creation and user accounts. Its product philosophy emphasizes that “if you can’t understand it in 30 seconds, it’s too complicated,” so its core value proposition is not professional financial analysis, but lowering the barrier to household budget planning. It is suitable for people who want to quickly create a monthly budget and organize household income and expenses. However, the page does not disclose specific features such as budget categories, period settings, reports and charts, bill reminders, import/export, or similar functions, so its overall feature completeness still needs to be verified through hands-on use.

Pricing and Business Model

The page explicitly uses the word “Free,” so it can be assumed that the product is currently positioned as free to use, at least as its main offering. However, there is no visible information about plan tiers, paid premium versions, advertising, payment methods, or trial limits. As a result, its initial value for money appears high, but the long-term sustainability of the service and whether it may charge in the future remain unclear.

Collaboration, Integrations, and Security

For a household budgeting tool, shared budgets between spouses or family members could be an important requirement, but the page does not explain team collaboration, sharing permissions, multi-user editing, or role controls. In terms of third-party integrations, it also does not state whether it supports bank connections, CSV imports, accounting software, or automation tools. Information on data security and compliance is missing as well; there is no visible mention of privacy, encryption, backups, or compliance certifications. For a product involving financial data, this is a notable weakness.

Pros, Cons, and Who It’s For

Its strengths are its simple and direct positioning, free access, and focus on non-professional users. It is suitable for individuals, couples, and families who are tired of complex Excel templates or heavyweight budgeting software. The downside is that publicly available information is very limited, making it difficult to judge its feature depth, data security, support quality, or ecosystem extensibility. For users who need bank syncing, multi-user permissions, audit logs, or business budget management, it is not currently suitable as a serious financial system.

Access from China and Alternatives

Access from mainland China is unknown, and payment methods are not disclosed. If access is unstable or localized bookkeeping is required, alternatives include 随手记, 鲨鱼记账, Money Manager, or budget templates in Notion, Excel/WPS.