All Budgie Features

Every capability of the Budgie offline-first expense tracker — from bank sync to on-device AI categorization — in one place.

Headline Features

Offline-First Expense Tracker

Every transaction lives on your device. No cloud account, no sign-up.

Monobank Bank Sync

Direct API. No aggregator. Full transaction history to your device.

On-Device AI Auto-Categorization

A 1.7B-parameter model on your phone — never a remote server.

Voice Transaction Entry

Speak it. Budgie logs it. Audio never leaves your phone.

Net Worth Tracker for Mobile

Bank, cash, crypto, stocks, debt — one number on your home screen.

Core Features

Expense Tracking, Reimagined

Two taps from open to saved — a bottom-sheet quick-entry form designed for one-handed use.

Multi-Account Money Management

Bank, cash, savings, crypto, stocks, debt — all on one home screen.

Spending Analytics That Actually Help

Category breakdown, tag breakdown, monthly trends — drill into any chart slice.

Custom Spending Categories That Bend To You

Create, merge, reassign, and reorder until the tree matches how you actually think about money.

Transaction Tags for Multi-Dimensional Tracking

Layer tags on top of categories — one transaction can be Groceries (category) and #vacation, #shared, #reimbursable (tags).

Account Transfers — Done Right

Cross-currency, dual-amount, exact — money between your own accounts is never an expense.

CSV Bank Statement Import

Any bank, any column order — set it up once per source, then it's two taps from there.

Erste Bank PDF Import

Classic and modern PDF formats — full statement import in seconds.

PrivatBank XLSX Import

XLSX, MCC-mapped, two taps — long-press an account card to re-import.

PIN App Lock — Locks With the Encryption Key

The PIN unlocks the app and unlocks SQLCipher — no PIN, no readable database.

Face ID / Touch ID Authentication

Bank-grade biometric unlock — same Secure Enclave, same encryption key.

Export Every Transaction You've Logged

CSV for spreadsheets. Encrypted database backup for restore. Both yours, never ours.

Database Backup & Restore

One encrypted file. No account. Restore on any device in seconds.

Date Filter Presets — Past Periods, One Tap

Eight presets, locale-aware week start, custom range fallback.

Power-User Features

Recurring Payments Calendar

Spot the slow leak before it bills — subscription patterns plotted on a month calendar with forecasted upcoming.

Smart Transfer Consolidation

Two debits aren't a transfer. Budgie knows — IBAN-aware, cross-currency-aware, automatic.

Split a Transaction Across Categories

That €87 supermarket bill was groceries and a phone charger — split it.

AI Merchant Name Translation

Cyrillic, Greek, Arabic merchant strings — the on-device LLM transliterates and adds search keywords.

Multi-Currency Accounts With Live Rates

Track in any currency. Sum in yours. Daily FX-rate refresh keeps the math fair.

Debt & Loan Tracking

Money out, money in — first-class accounts with target balances, return dates, and contact assignment.

Windowed Bank Re-sync

Re-pull a slice. Keep your edits. No nuke-from-orbit.

MCC Auto-Categorization

Bank-issued codes do the work — coffee shops land in Food & Drink, gas stations in Transport.

Tag-Based Spending Analytics

#vacation, #shared, #reimbursable — quantified, with an "Untagged" bucket for completeness.

Convert a Transaction to a Transfer

Reclassify, don't re-enter — turn an expense into a transfer in one tap.