The Sweet Way
to Budget

Anyone who is looking for a simple way to budget. We know budgeting can be difficult and stressful. Jelli makes budgeting easy. Our AI-Powered Budgeting Assistant, JJ, helps you create a baseline budget in minutes. Once your budget and JelliJARS have been created, JJ will allocate your paycheck to your jars each time you get paid. When you make a purchase, JJ lets you know in the app and prompts you to assign the purchase to a jar. The jar balance is debited showing you the new funds amount available for spending. You always know how much you have to spend. It’s that easy. Jelli is especially built for people whose income isn’t the same every paycheck — gig workers, freelancers, tipped and commission-based employees, and anyone juggling multiple income streams. Instead of requiring a fixed monthly income, Jelli splits whatever comes in proportionally across your JelliJARS, so your budget never breaks just because your paycheck does.

JelliJARS are colorful, digital spending containers — one for each category in your budget, like Rent, Groceries, or Entertainment. Each jar holds the money set aside for that purpose, so instead of staring at one big bank balance and doing mental math, you glance at a jar and instantly know how much you have left to spend in that category. There’s no required list of categories — every jar can be renamed, resized, given a savings goal, or capped with a Lid, so your jars end up reflecting how you actually live, not a generic template.

Connect your bank account through Plaid, and Jelli’s AI reads 12 months of your real transaction history to build a personalized budget from how you actually spend — not a generic template. Here’s how it works: Jelli identifies the main categories you actually spend money in — things like Rent, Groceries, Transportation, and Entertainment — by grouping your past transactions. For each category, it calculates your average monthly spend and sets that dollar amount as your budget for that category. That budget amount becomes a JelliJAR, and Jelli also calculates what percentage of your total monthly budget each jar represents — so if Rent averages $2,000 out of a $3,600 total budget, that jar is set at roughly 56%. Those percentages are what let Jelli split any future paycheck proportionally across all your jars, no matter the amount or timing. You can review the proposed budget and tweak any category before you start — and since your budget isn’t set in stone, you can update it any time after that too. Most people are fully set up in under 10 minutes, with no income field to fill out and no manual categorizing.

Yes — Jelli was built for exactly this. Instead of requiring a fixed monthly income, Jelli uses percentage-based allocation: whatever amount comes in, big or small, gets split proportionally across your JelliJARS with one tap. The Lid Feature caps a jar once it hits its budget for the month and automatically routes the overflow to your Spare Change Jar, which builds a cushion on good weeks and acts as a buffer on lean ones. No reconfiguring, no broken budget when income changes.

A Lid is a cap you can put on any JelliJAR that keeps it from filling past a set limit. If the jar has no Goal ($0), the Lid caps it at its Monthly Budget amount. If the jar has a Goal set, that Goal amount becomes the fill limit instead. Either way, once the jar hits its limit, the Lid kicks in and any extra money that would have gone into that jar gets automatically redirected to your Spare Change Jar instead of just sitting unallocated. It’s especially handy on a big income month, when a paycheck might otherwise overfund a category past what you actually need.

The Spare Change Jar is Jelli’s built-in catch-all for extra money — it automatically collects any overflow from jars that have hit their Lid. Over time it builds into a cushion you can dip into on leaner weeks or let grow as a cash buffer, all without you having to manually move money around.

It’s designed to. You earn JelliBEANS for everyday budgeting actions — assigning transactions, splitting your paycheck, hitting milestones — and spend them on Jar Themes, custom visual skins for your jars that drop quarterly. You can also unlock 12 Apple Game Center Achievements across your first year, each one adding a bonus round of JelliBEANS. The daily habit only takes about 60 seconds.

JJ is Jelli’s AI budgeting companion — a smart little jar with gold glasses who helps you set up your budget, flags things worth your attention, and celebrates your wins.

Most budgeting apps treat a credit card like debt, not a spending tool — they can’t show you the real-time impact on your budget when you swipe. Jelli is different. Every credit card transaction is assigned to a jar, like debit card transactions, and your Total Available is updated to reflect the money spent using your credit card. Behind the scenes, Jelli automatically reserves the matching funds in your bank account as your credit card balance grows, so the money to pay your statement in full is always set aside without any manual work on your part. That means you can swipe all month for the rewards and points, pay off your credit card balance using those reserved funds, stay on budget, and never carry a balance.

Jelli integrates directly with your bank account via Plaid. When you sign up, the Jelli App will walk you through the integration process in just a few steps. Jelli connects your credit card the same way, through Plaid, so both your bank account and credit card activity update automatically throughout the day — you always know where you stand. And for those who want to do some old-school budgeting with a spreadsheet, you can download your activity any time.

Yes. Create a JelliJAR for any goal — an emergency fund, a vacation, a debt payoff target — name it, set a target amount, and assign it a budget percentage. Every paycheck funds it automatically and proportionally, so progress happens without you having to move money manually. JJ tracks the progress with you and marks milestones along the way.

Yes. Jelli’s AI-Powered Budgeting Assistant, JJ, is central to Jelli’s budgeting platform. JJ analyzes your spending in your bank account and prepares a base-line budget from your spending history. From there, you are able to make adjustments and add additional jars that you may need. While JJ automates some budgeting processes, he allows you to have the ultimate control, giving you the power to make any adjustments you see fit. He will make recommendations but the final choice is left up to you, he won’t do things without asking 🙂

Jelli offers two options. Our Rookie plan covers one bank account and one credit card, and it’s available now at $2.99 per month. Our Pro plan, coming soon, covers multiple bank accounts and multiple credit cards at $5.99 per month. There are no contracts — you can sign up or cancel at any time.

No, Jelli is not a bank account. It’s a budgeting app that connects to your bank account. When a transaction occurs in your bank account, it will be mirrored in your Jelli Account.

No. If you want to send money to someone, you have to use a P2P platform like Venmo or Zelle. If you want to move money from your checking to your savings account or to another bank account, you have to use your bank’s mobile app to do so. Jelli only reports on money movements, you can’t initiate any money movements with Jelli.

No. Jelli will not send you a card. Jelli is a budgeting app only. You use your own existing bank debit card and credit card for making purchases, and Jelli tracks both — every purchase, whether it comes from your bank account or your credit card, shows up in the Jelli App and is assigned to a JelliJAR.

No, Jelli does not run a credit check when you sign up for an account.

Yes, simply sign up again and JJ will help you get started. However, we don’t store your old account data so you will begin fresh.

If you would like to become a Jelli Affiliate or Brand Enthusiast to refer Jelli to others, reach out to hello@jelli.us to learn more about our Jelli Affiliate and Brand Enthusiast Programs.