Set a rule, skip the sorting
Write the rule once and every future import obeys it: match on what the transaction actually says, then set the category, add a tag, or turn it into a transfer.
No spam, ever. Unsubscribe anytime.
- Free, no account
- Works offline
- Source-available
From a rule you wrote to what is left for the AI
Three screens: the Rules list, the Quick rule pill on a transaction you just recategorized, and everything no rule matched.
Some things should not be guessed
The Rules screen shows what you decided, rule by rule: the conditions on top — Title contains “Spotify” and Type equals EXPENSE — and under them the category and the tag the match sets. A condition can also read the merchant code, the amount, the account or the import source, and every rule has its own switch, so turning one off never means deleting it.
The Quick rule pill writes it for you
Change the category or the tags of an existing transaction and a Quick rule pill appears above the amount. It builds the conditions from the merchant name — reference numbers, amounts, dates and company suffixes stripped out, the comment used when the name is too generic — pins the merchant code when the transaction carries one, and attaches exactly the category and tags you just picked. Tap the pill and the rule exists; swipe it away and it is gone.
Rules run before the AI does
Rules are evaluated on Monobank sync, on bank file sync and on file import, so most rows land already categorized. What no rule covered is counted in the missing-categories pill above the list; open one of those rows and a suggestion offers a category for it.
- Conditions you wrote yourself
- The category it sets
- Tap it, the rule exists
- Conditions built from this name
- What no rule covered
- Rows still without a category
What a rule can do
things a condition can look atTitle, comment, amount, merchant code, account, type and import source.
actions on every matchSet a category, add a tag, or turn it into a transfer.
import and sync runs your rulesMost rows land already sorted.
From an edit to a rule
Recategorize a transaction and Budgie offers to remember it for next time.
- Tap the pill to create the rule
- It keeps the tags you picked
- And the category you chose
What you get
Category, tag or transfer
Actions that set a category, add a tag, or convert the transaction into a transfer
Applied on every sync
Rules run automatically on Monobank sync, bank file sync, and CSV import
Fix existing transactions too
Saving a rule asks whether to apply it to the matching transactions you already have
Everything included
- Conditions on title, comment, amount, MCC, account, transaction type, and import source
- Match all or match any, with contains, equals, comparison, list, and regular-expression operators
- A "matching rules" pill on a transaction shows which rules apply to it
The details
For when you want to know exactly how it behaves.
Some categorization should be a rule, not a suggestion
Your landlord's transfer, your gym membership, the corner shop you visit twice a week — you already know where those belong. A rule states that once, in plain conditions, and the app stops asking.
Conditions can look at the title, the comment, the amount, the merchant category code, the account, the transaction type, or the import source it came from. Combine them with "match all" or "match any", and pick the operator that fits: equals, contains, does not contain, greater than, less than, between, in a list, or a regular expression. Text comparisons ignore letter case.
The Quick rule pill writes the rule for you
When exactly one of your existing rules already matches the transaction, the pill turns into “Update rule?” and rewrites that rule's category and tag instead of creating a near-duplicate. When the conditions it would write already exist word for word, Budgie says so and lets you open the existing rule or create the new one anyway. A rule made from the pill is applied to your existing transactions as soon as it is saved, and that replaces the category on every matching transaction — including ones you set yourself.
Rules and on-device AI do different jobs
Rules are deterministic: the same conditions produce the same category every single time, which is what you want for rent, salary, subscriptions, and anything with a stable merchant name. On-device AI categorization is the opposite tool — it guesses sensibly for merchants you have never seen before. They are separate systems, and most setups end up using both.
Questions
Do rules apply to transactions I type in myself?
Automatic evaluation runs on Monobank sync, bank file sync, and CSV import. For everything else, saving or editing a rule asks “Apply to existing transactions?” and shows how many match; choose Apply and it covers manual entries too. Applying replaces the category on matching transactions, including ones you set yourself, so check the count first.
Can one rule do more than one thing?
Yes. A rule holds several actions, so the same match can set the category and add a tag, or convert the transaction into a transfer to a chosen account.
What happens when I already have a lot of rules?
The Rules screen has a ranked search that looks at every condition, every action, and the related category, tag, and account names, so you can find the rule responsible for a category in a couple of keystrokes.
Is this the same as the AI categorization?
No. Rules are explicit conditions you wrote and can read back. AI categorization is a separate on-device suggestion engine for merchants no rule covers yet.
Can I turn a rule off temporarily?
Yes — each rule has its own switch in the Rules list, and swiping a row deletes it when you no longer need it at all.
Ready to take Budgie for a spin?
Join the waitlist — be first to try the offline-first expense tracker.