Your Financial Data.
Your Device.
Your Rules.
The privacy-first offline expense tracker — open source budget app for iOS & Android.
Your bank knows everything. Mint sold your data. YNAB stores it on their servers. Budgie keeps your finances on your device—encrypted, offline, and yours alone.
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Why Most Budgeting Apps Get It Wrong
Cloud-based apps store your financial data on their servers. That means they can see everything—and so can hackers.
Cloud-Based Apps
The risky approach
- Your data stored on their servers
- Companies can see your transactions
- Vulnerable to data breaches
- Requires internet connection
- Closed source—trust blindly
Budgie (Offline-First)
The private approach
- Data stays on YOUR device only
- We literally cannot see your data
- Locked behind biometrics. Encrypted with SQLCipher AES-256.
- Works 100% offline—always fast
- Source-available—audit our code on GitHub
Built Different. Built Better.
We took the opposite approach to every other budgeting app. Here's why that matters for you.
100% Offline
Your financial data never leaves your phone. No servers, no cloud, no risk of data breaches.
Blazing Fast
No server round-trips. Every action is instant. The app works even in airplane mode.
Biometric Locked
Face ID, Touch ID, or PIN unlock your encrypted vault. Hardware-backed in iOS Keychain and Android Keystore.
Public Source
The source code is public on GitHub. Security researchers and anyone can audit it.
Every Dollar. Every Account. One App.
Stop switching between apps. Budgie tracks your bank accounts, credit cards, cash, crypto, and investments together—so you finally see the complete picture of your finances.
Spending Insights
See where every dollar goes. Drillable category and tag breakdowns find what's eating your budget.
Bank Sync
Direct Monobank API sync, plus PDF/Excel/CSV imports for any bank. No aggregator in the middle.
AI Auto-Categorize
A 1.7B-parameter LLM and 768-dim embedding model categorize every transaction on your phone.
Voice Entry
Speak it. Budgie logs it. Whisper.rn transcribes on-device — your voice never streams to a server.
Net Worth
Bank, cash, crypto, stocks, debt — one number on your home screen with daily FX conversion.
Crypto & Investments
Track Bitcoin, Ethereum, stocks, and ETFs alongside cash accounts. Manual or CSV imports.
Smart Tags
Custom tags layered on top of categories. Drillable analytics and AI-suggested tags built in.
Fee Tracking
Track ATM fees, transfer fees, and card commissions as real analytics entries without breaking transfers.
Multi-Currency
Track expenses in any currency with daily exchange rates baked in. Built for travelers and remote workers.
All Accounts
Cash, savings, bank, crypto, stocks, and debt — all accounts in one private app. No bank login required.
Offline-First
Every transaction lives on your device. No cloud account, no sign-up, fully offline-capable.
Recurring Bills
Auto-detected recurring payments laid out on a monthly calendar so subscriptions stop surprising you.
Debt Payoff
Track loan balances, watch the principal drop, and stay motivated with progress charts.
Start Tracking in Minutes
Get complete control over your finances with just a few simple steps. No accounts, no cloud storage, no compromises.
Download & Install
Get Budgie from the app store. No registration required—your privacy starts immediately.
Connect Your Accounts
Securely link your bank accounts, crypto wallets, and investment accounts for automatic tracking.
Track Everything
Monitor expenses, set goals, track debts, and gain insights—all while keeping your data private.
Bank-Level Security Without the Bank
Your financial data never leaves your device. No servers, no cloud, no tracking—just complete privacy with enterprise-grade security features.
Learn MoreZero Cloud Storage
All your data is stored locally on your device. We have no servers storing your information—because we never see it in the first place.
Biometric Lock
Lock your app with Face ID or Touch ID. Your encrypted data is only accessible after biometric or PIN verification. SQLCipher AES-256 encrypts the database file; the key lives in iOS Keychain or Android Keystore.
Hardware-Backed Encryption Key
Your encryption key lives in iOS Keychain or Android Keystore — both hardware-backed where available. SQLCipher AES-256 encrypts the database file so raw storage access reveals nothing.
PIN Protection
Set a custom PIN code with configurable length for an extra layer of security. Perfect for shared devices.
Screenshot Protection
Automatically hide sensitive balances when taking screenshots. Share your app safely without exposing your finances.
Your Data Stays Yours
Unlike other apps, we can't access your data even if we wanted to. That's privacy by design.
See How We Compare
We believe in transparency. Here's an honest comparison with other popular budgeting apps.
| Feature | Budgie | Cloud Apps |
|---|---|---|
| 100% Offline | ||
| Data on your device only | ||
| Biometric lock + AES-256 encrypted storage | ||
| Source-available code | ||
| No account required | ||
| Works without internet | ||
| No data mining | ||
| Bank sync available | ||
| Crypto tracking | ||
| Multi-currency support |
Cloud Apps include Mint, Emma, Snoop, and similar services that store your data on their servers.
See Exactly Where Your Money Disappears
That daily coffee? $150/month. Forgotten subscriptions? $80/month. Budgie exposes every spending leak so you can finally plug them and keep more money in your pocket.
Spending Breakdown
See percentages for food, transport, shopping—know exactly what's draining your wallet.
Find Hidden Patterns
Custom tags reveal trends you never noticed. Discover your real spending triggers.
Bank Fees Included
ATM fees and bank commissions stay visible even when the main transaction is a transfer.
Track Progress Over Time
Compare months, spot improvements, celebrate when you're winning against overspending.
This Month's Reality Check
$8,450
$3,240
+$5,210
Saved this month
3
Spending alerts
AI That Never Leaks Your Secrets
Other apps send your financial questions to ChatGPT or Google—exposing your salary, debts, and spending habits. Budgie's AI runs 100% on your device. Your conversations never touch the internet.
Instant Spending Analysis
Ask "Where did my money go?" and get instant breakdowns. Qwen3 1.7B (Q4 quantized) runs entirely on your phone — your questions never reach a server.
True Privacy, Not Just Promises
Unlike ChatGPT or Google Assistant, Budgie's AI runs entirely on your device. The multilingual nomic-embed-text-v2-moe embedding model handles all 5 supported languages natively.
On-Device Voice Transcription
Voice transcription via Whisper Large v3 Turbo (whisper.rn) runs on-device. Works in airplane mode — your voice never streams to a server.
Works Completely Offline
Works in airplane mode. No internet needed. Your financial assistant is always available—even when you're offline.
Cloud AI vs On-Device AI
- Data sent to remote servers
- Can be hacked or subpoenaed
- Requires internet connection
- Third parties see your data
- Data never leaves your phone
- Impossible to breach remotely
- Works in airplane mode
- Only you see your data
At current pace, you'll be debt-free by August 2025
Never Forget Who Owes What
Track personal loans, split bills, and monitor your debt payoff journey. Set return dates, visualize progress, and reach financial freedom faster.
Connect All Your Financial Accounts
Automatically sync transactions from your favorite banks, fintech apps, and crypto exchanges. Or import your data via CSV—we support it all.
Bank Integrations
Direct Monobank API sync, plus PDF/Excel/CSV imports for any bank in the world. No aggregator in the middle.
Crypto & Investments
Manually track Bitcoin, Ethereum, stocks, ETFs, and any asset. Import positions via CSV. No exchange API connections — your data stays on-device.
CSV Import
Import from any app with flexible column mapping.
Transfer Detection
When you send money between two banks, Budgie auto-pairs both legs using counter-IBAN matching plus exchange-rate tolerance — no duplicate expenses, no manual merging.
What Beta Testers Are Saying
Quotes from anonymized beta tester feedback. Names and locations have been changed to protect privacy.
Transparency You Can Verify
Unlike closed-source apps, you don't have to trust our word. The source code is public on GitHub. Security researchers, developers, and anyone can audit exactly how we handle your data—spoiler: we never see it.
Full Code Transparency
Review every function that touches your financial data
Security Audits Welcome
Independent security experts can verify our claims
Community Driven
Join developers worldwide improving the app
Budgie
Offline-first budgeting app
$ git clone https://github.com/budgie-at/budgieFrequently Asked Questions
Everything you need to know about Budgie's privacy-first approach to expense tracking.
Latest from Our Blog
Discover insights about financial privacy, security best practices, and how to take control of your money.
Take Control of Your Finances — Without Giving Up Your Privacy
Currently in private beta — join the waitlist for early access to the only budget app that keeps your financial data entirely on your device.
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