Savings deposits, kept separate
Track fixed-term savings as deposit accounts kept separate from everyday spending, with interest rate, maturity date, days remaining, and expected payout.
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- Free, no account
- Works offline
- Source-available
A fixed term, tracked like an account
Budgie keeps a term deposit separate from the accounts you spend from, and shows what it will pay at maturity.
A deposit is not a savings account
The account screen carries the current balance, the interest rate, the maturity date, the days remaining and a calculated expected payout.
Close it and the money moves
Open the account menu and choose Close Deposit. Budgie moves the remaining balance to the destination you pick and archives the deposit.
- Maturity date and days left
- Expected payout estimate
- Edit the deposit details
- Close and move the balance
What a deposit shows you
figures on the deposit screenInterest rate, maturity date, days remaining and expected payout.
action to close and move the balanceClose Deposit transfers what is left to the account you pick, then archives it.
offered as an expense sourceDeposits are left out when you choose which account pays.
Check the payout math
The expected payout is a simple estimate. The source shows exactly how it is worked out.
Payout is your balance plus interest for the days left
It needs both an interest rate and a maturity date
Read the sourceWhat you get
Savings kept separate
Dedicated Deposit account type for fixed-term savings and locked principal
Days left and expected payout
Days remaining and a simple-interest payout estimate from your balance, rate, and maturity date
Principal stays protected
Deposit principal is protected from normal expense spending and cannot go negative
Everything included
- An interest rate and a maturity date for each deposit account
- Close a deposit into a selected destination account with a transfer — it is archived and can be restored
- “Include in net worth” stays available when a deposit should or should not count
- Start a deposit from a synced bank expense, keeping the currency the payment was made in
- Add a deposit straight from a bank connection, next to its synced accounts
The details
For when you want to know exactly how it behaves.
Why deposits need their own account type
A deposit is not everyday cash. Budgie treats it as a distinct account type so the principal stays separate from normal spending accounts while still appearing in your broader account list.
Deposit accounts store an optional annual interest rate and maturity date. The account details screen uses those to show days remaining and an expected payout estimate — simple interest on the current balance for the days left — without pretending interest has automatically posted.
Questions
Can I spend from a deposit account?
No. Deposit accounts are excluded from normal expense source selection, and Budgie prevents deposit balances from becoming negative.
Does Budgie automatically accrue deposit interest?
No. Budgie stores the interest rate and maturity date, then estimates the payout as simple interest on the current balance for the days remaining. It does not automatically create interest transactions.
How do I close a deposit?
Use the Close Deposit action, select the destination account, and confirm. Budgie transfers the remaining deposit balance to that account and archives the deposit. An archived deposit can be restored from Settings.
Can deposits be included in net worth?
Yes. Like other accounts, deposits have an “include in net worth” setting, so you can decide whether a locked deposit belongs in your net worth view.
Can I start a deposit from a payment I already made?
Yes. Open the menu of an expense, such as a synced bank payment, and choose Start Deposit. Budgie creates the deposit in the currency the payment was made in and turns the expense into the transfer that funds it.
Ready to take Budgie for a spin?
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