Budget. vs Budgie

Budget. is a no-nonsense personal finance app that puts you in control of your money — without subscriptions, without cloud accounts, and without sending your data anywhere. Your money stays on your phone. Always. Everything is stored locally on your device. No account required. No server. No tracking. Just you and your finances. TRACK EVERY FRANC Add income and expenses in seconds. Your balance updates instantly. See exactly what came in, what went out, and what's left — all in one place. KNOW WHAT'S SAFE TO SPEND Budget. calculates your safe-to-spend amount by factoring in upcoming recurring bills, savings goals, scheduled debt payments, and provisions. No more guessing. RECURRING TRANSACTIONS Set up monthly or weekly schedules for rent, salary, subscriptions, and more. Budget. tracks which ones are paid, which are pending, and which are coming up — right on the dashboard. SAVINGS GOALS Create goals for anything — a holiday, a new car, an emergency fund. Contribute each month and watch your progress build. PROVISIONS Set aside money each month for quarterly or annual bills like insurance or taxes. When the bill arrives, the money is already waiting. DEBTS & LOANS Track what you owe and what you're owed. Set repayment schedules, record payments, and see the remaining balance at a glance. NET WORTH Add your assets and liabilities for a full picture of your financial health. Savings goals and debts are included automatically. BUDGET LIMITS Set monthly spending caps per category and get visual warnings when you're approaching or over the limit. ENCRYPTED BACKUP Export an AES-256 encrypted backup of all your data to Files, iCloud Drive, or anywhere you choose. Restore it anytime with your PIN. Your data never touches a server. BEAUTIFUL THEMES 8 carefully designed colour themes including Midnight, Dawn, Arctic, and more. Budget. is built for people who want a clear, honest view of their finances — without the complexity of spreadsheets or the privacy concerns of cloud-based apps. No subscription. No account. No nonsense.

Track your subscriptions, fixed bills like rent and insurance, and everyday spending in one place — with a reminder before each payment is charged, so nothing catches you by surprise. SUBSCRIPTIONS & FIXED COSTS • Add monthly or yearly recurring expenses and income • Popular video and music services in a single tap • Every plan is converted to a monthly cost, so you see your true recurring spend • Get notified a few days before each charge — set the timing per item FAST ENTRY • Large keypad for quick amount entry • Built-in + − × ÷ calculator right in the amount field • Tap a category and you're done SEE WHERE YOUR MONEY GOES • Spending breakdown by category • Month-over-month trends, fixed vs. variable costs • Savings rate calculated for you • Set a budget per category to catch overspending early CALENDAR • Review past records and upcoming charges day by day • Add income and expenses for future months to plan ahead PRIVATE BY DESIGN • All data stays on your device — no account, no bank login • Export to CSV to use your data in any spreadsheet Free to use. Some features unlock with a rewarded video ad (24-hour access) or a one-time purchase for lifetime access — no subscription.