This post is part of our live coverage of FinovateSpring 2014.

Our next presenter is the team from OnBudget with a 21st century wrinkle on an old school budgeting strategy.

“OnBudget combines a free, simple-to-use app with a free (& totally fee-free) household Budget Card that links to a user’s checking or savings account. Users effortlessly set up and manage budgets, track spending and view spending trends in real time by category. The OnBudget platform analyzes transactions, identifies trends and interacts with users in real time, becoming an instant virtual “envelope budgeting system” that helps banked customers manage daily living expenses, It’s uncomplicated, intuitive, real time, habit-forming and, best of all, totally free.”