Expenses sort themselves, privately
Category, tag, and merchant suggestions that run entirely on your phone and learn from your corrections. Your statements never leave the device.
No spam, ever. Unsubscribe anytime.
- Free, no account
- Works offline
- Source-available
Categories proposed on your phone
Pill suggestions on the expense form, the privacy notice in Settings, and the On-device AI section.
Category pills on the expense form
Open a new expense and Budgie offers categories as pills above the action buttons, drawn from transactions you have already categorized. Tapping a pill picks the category, and the Category button still opens the full list.
Offline, private, and card-code aware
Settings opens with a Privacy card stating that your financial data is stored locally on your device. Further down, a toggle assigns default categories from the merchant category codes your bank sends with card payments.
One switch for the on-device AI
The AI section of Settings holds the On-device AI switch, which says it categorizes transactions on this device and downloads about 2.5 GB of models once. Below it, a Learning row shows whether learning is up to date.
- Suggested category pills
- The full category list is one tap away
- 100% Offline & Private
- On-device AI
- Learning up to date
Check it on your own phone
Suggestions are worked out on the device, so you can see for yourself that nothing leaves it.
Turn on airplane mode: suggestions keep coming
There is no cloud fallback to send anything to
Read the sourceSuggestions where you type
Category pills appear above the buttons on the expense form, drawn from what you have already sorted.
- Pills from your own history
- The full list is one tap away
What you get
Remembers your merchants
Merchants you have categorized before are recognized instantly
Learns from every correction
Every correction counts on the spot — accuracy improves as you use it
Statements stay on your phone
Statements never leave the device — no cloud AI, no remote processing, ever
Everything included
- Everything runs on your phone after a one-time download
- Card payments from an unfamiliar shop still land in the right area, using the code your bank sends
The details
For when you want to know exactly how it behaves.
Why on-device AI is the only AI that protects your statements
Cloud “AI” budgeting apps send every merchant name to a remote server, which means somebody else's computer sees your supermarket habits. Budgie works it out on your own device — same accuracy, nothing to leak.
Budgie recognizes merchants you have categorized before, spots the spending that repeats month after month, and reads the merchant code your bank sends with each card payment. Every accepted or edited suggestion is taken into account immediately — accuracy compounds over time.
How a suggestion is made
- Seen before — Budgie finds the closest match among transactions you have already categorized, which is the fast path
- Spending that repeats — rent, the commute, the weekly shop all come back with their usual category and amount
- Correction loop — every accepted or edited suggestion counts immediately, so the next similar transaction lands closer without any re-training
Questions
Does the AI work offline?
Yes. Everything it needs lives on your device after the one-time download. Categorization runs whether you're online or not.
How big is the download?
About 1.6 GB for categorization and suggestions, plus a further 0.9 GB if you turn on voice entry. Each part arrives the first time you use the feature that needs it, and all of it is optional — you can keep using Budgie without AI.
Can I correct the AI's suggestions?
Always. Every transaction lets you accept, edit, or reject the suggestion. Your corrections count immediately, so the next similar transaction lands closer to the right category.
Can I turn AI off?
Yes. Settings has an AI section with a single On-device AI switch. Turn it off and nothing downloads, nothing loads, and no suggestion runs — categorization falls back to your rules and the bank's own merchant codes. New installs start with the switch off; if you were already using AI before the switch existed, it stays on.
Does Budgie send my transactions to a cloud AI?
No. Everything is worked out on your own device. There is no cloud fallback and no telemetry about your transactions.
Ready to take Budgie for a spin?
Join the waitlist — be first to try the offline-first expense tracker.