3 Bucket Budget
Stop wondering where your money went • Budgeting Made Simple
CSV from any bank · PDF for 5 Bahamian banks · Smart Categorization · Your Data Stays Private
How It Works
Upload your statement
CSV from any bank with a CSV export — most reliable. PDF tuned for 5 Bahamian banks.
Review & adjust categories
The app handles the heavy lifting — you just confirm
Export your budget
Download to Excel (free) or send to Google Sheets (subscription)
See it in action
Recommended: CSV import
Works with any bank that lets you download a CSV from online banking. We auto-detect columns — US, Canadian, UK, and EU date formats supported out of the box.
PDF import tuned for these 5 Bahamian banks
Banking with a different institution? Use CSV import — it's our most reliable path.
Get Started Today
Start your 1-month free trial and take control of your finances.
Before you begin, you'll need:
- ✓ A Google Account — used to sign in. Don't have one? Create one free with any email (Hotmail, Yahoo, etc.) — click "Use my current email address instead."
- ✓ A CSV or PDF statement — both download free from your online banking portal (not paper copies from the branch). CSV is the most reliable for any bank; PDF is best for the 5 Bahamian banks listed above.
Free vs Premium Features
| Feature | Free | Premium |
|---|---|---|
| Statement Upload (CSV or PDF) | Single upload | Up to 6 PDFs batch · 1 CSV at a time |
| Smart Categorization | ✓ | ✓ |
| Statement Dates | Previous month only | Any historical |
| Excel Export | ✓ | ✓ |
| Google Sheets Export | ✗ | ✓ |
| Cash Entry | ✗ | ✓ |
| Email Auto-Import | ✗ | ✓ |
| Category Customization | ✓ | ✓ |
What Happens After Subscribing
- You'll receive a license key from Gumroad via email
- Sign in to 3 Bucket Budget using your Google account
- Enter your license key to activate your account
- Start uploading statements and budgeting!
Tip: Your license key is also available in your Gumroad Library.
After your 1-month free trial, you'll be automatically charged $5/month. You'll receive an email before your first charge. Cancel anytime in your Gumroad account.
Questions? Visit our Help Center or contact us
Frequently Asked Questions
How do I budget from my bank statement?
Upload a CSV or PDF from your bank and 3 Bucket Budget extracts and categorizes every transaction. Review the categories, adjust where needed, then export your organized budget to Excel or Google Sheets. CSV import is our most reliable path and works with any bank that supports CSV export.
Which banks does 3 Bucket Budget support?
CSV import works with any bank that lets you download a CSV from online banking — we auto-detect columns, dates, and signs across US, Canadian, UK, and EU formats. PDF import is tuned for 5 Bahamian banks: Scotiabank, CIBC FirstCaribbean, RBC Royal Bank Bahamas, Commonwealth Bank, and Fidelity Bank Bahamas (both savings and credit card statements where available). If your bank isn't in that list, use CSV — it's the most reliable option for international banks.
Is my financial data safe with 3 Bucket Budget?
Yes. 3 Bucket Budget uses a privacy-first design where your PDF is processed in memory and deleted immediately after extraction. No financial data, transaction details, or bank statements are ever stored on our servers.
What is the 3-Bucket System for budgeting?
The 3-Bucket System organizes your spending into three buckets: Emergency Fund (essential expenses and safety net), Short-Term Goals (planned purchases and near-future savings), and Long-Term Wealth (investments, retirement, and lasting financial growth).
Can I export my budget to Google Sheets?
Yes. Premium subscribers can export directly to Google Sheets, which auto-creates a formatted budget spreadsheet in your Google Drive with monthly tabs, category breakdowns, and progress tracking charts.
Does 3 Bucket Budget work on my phone?
Yes. 3 Bucket Budget is a fully responsive web app that works on any device with a modern browser — phones, tablets, and desktops. No app download required.
How much does 3 Bucket Budget cost?
There is a free tier that includes single statement upload, smart categorization, and Excel export. The premium plan is $5 per month (with a 1-month free trial) and adds batch uploads, Google Sheets export, cash entry, and email auto-import.