Move money, not expenses
Move money between your own accounts with automatic FX conversion and dual-amount display for cross-currency transfers.
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- Free, no account
- Works offline
- Source-available
Money moved, not money spent
Three screens: the transfer form that names both accounts, the cross-currency pair with the rate it converted at, and the analytics that counted neither side.
A transfer is its own type
You enter the amount once and pick both accounts on one row. Budgie saves a single transfer that debits one account and credits the other — not an expense here and an income there that you have to remember to cancel out.
Two amounts, one rate
When the accounts hold different currencies, what will land on the other side appears under the figure you typed. The pill says which side you are driving — tap it to type the receiving amount instead — and the rate that produced the pair is saved with the transfer.
Neither side counts as spending
Analytics reads income and expense transactions only, so a transfer never inflates either total and never turns up as a category. The one part that does count is a fee you attach to the transfer, because that money really did leave.
- One amount, entered once
- Both accounts on one row
- Pin the side you type
- The rate it converted at
- Spent and income stay clean
- Only real income appears here
Transfers without the bookkeeping
Many apps make you log a transfer as an expense and an income. Budgie does not.
Transfers as two entries
- Log an expense, then an income
- Totals can count the money twice
- Currency maths done by hand
- Fixing a mistake means two edits
Budgie
- One transfer, entered once
- Spending and income stay clean
- Both amounts shown, rate saved
- Edit or delete one transfer
Type one side, see the other
Pick which currency you type and Budgie converts the rest.
- Pin the side you type
- The other side, converted for you
What you get
Never confused with spending
First-class Transfer transaction type — never confused with expense or income
Both currencies side by side
Cross-currency dual-amount display: pin send or receive, system computes the other
Convert past entries later
Convert any expense or income to a transfer retroactively — no re-entry needed
Everything included
- The exchange rate is saved with the transfer, so both balances reconcile exactly
- Currency-mode pill switches whether you drive from send or receive direction
The details
For when you want to know exactly how it behaves.
Why transfers must be a first-class type
Transfers between your accounts are not income or expenses — and an app that treats them as such will mis-state your spending. Budgie has a first-class Transfer transaction type with explicit source and destination accounts.
For cross-currency transfers (e.g. USD to EUR), Budgie shows both amounts side by side and lets you pin either side. Switch the “currency mode” pill to drive the conversion from send or receive direction.
Questions
Why is “transfer” a separate type?
Money moved between your own accounts is not income or expense. Treating transfers as expenses double-counts your spending. Budgie's first-class Transfer type keeps your stats accurate.
What about cross-currency transfers?
Both amounts are shown together (e.g. $1000 → €925). Pin either side; the exchange rate is saved on the transfer so reconciliation across currencies stays exact.
Can I auto-link transfers from my bank?
Yes — see Smart Transfer Consolidation. Bank-synced debits and credits matching by amount, time window, and counter-IBAN auto-merge into a single transfer.
Can I undo a transfer?
Long-press the transfer in the list and Edit or Delete. There is no second transaction to chase — editing or deleting the transfer moves both account balances back together.
Ready to take Budgie for a spin?
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