Your net worth, one number
Bank, cash, deposit, crypto, and debt accounts all roll up into a single net-worth number on your home screen, with multi-currency conversion baked in.
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- Free, no account
- Works offline
- Source-available
Watch the number add up
Three screens, from the total on your home screen down to what you owe and what you are owed.
One number, everything in it
Bank, cash, crypto and debt are already inside the figure at the top of Home.
Every currency, one total
A euro account keeps its own currency. The figure on Home counts what it is worth in yours today.
Debt counts, both directions
What you lent adds to your net worth. What you owe subtracts from it, down to the last repayment.
- Total in your base currency
- Fiat and crypto, split out
- Converted to your base currency
- The account keeps its own
- What you owe subtracts
- What you lent adds back
What goes into the figure
number at the top of HomeBank, cash, deposit, crypto and debt accounts already roll up into it.
currency you hold, converted for youEach account keeps its own currency while the total counts it in yours.
over which accounts countSwitch any account in or out of net worth.
More than a spending tracker
Many expense apps stop at this month's spending. Budgie shows the whole balance sheet.
Many expense apps
- Often bank accounts only
- Often a single currency only
- Debts often treated as expenses
- Often no say in what counts
Budgie
- Bank, cash, deposit, crypto and debt
- Each account in its own currency
- Debts subtract from net worth
- Switch any account in or out
What you get
Debts counted automatically
Liability and debt accounts subtract automatically; receivables add
Every account in your currency
Background FX-rate refresh converts every account to your base currency
Choose what counts
Per-account “include in net worth” toggle — partial-truth balance is your call
Everything included
- Crypto holdings sit alongside your fiat accounts with the same UX
The details
For when you want to know exactly how it behaves.
Why an expense tracker should also be a balance sheet
Most expense apps stop at “this month's spending.” Budgie gives you the full balance-sheet view — assets, liabilities, and the line they form between them — without spreadsheets.
Toggle “include in net worth” per account. A background task keeps exchange rates fresh so a Euro savings account, a USDC wallet, and a UAH-denominated salary all show in your home currency.
Questions
Where do exchange rates come from?
A background task pulls exchange rates automatically and stores a snapshot on your device. No live rate broker is queried at render time.
Can I exclude an account from net worth?
Yes. Each account has an “Include in net worth” toggle so you can keep, say, a business escrow account separate from your personal balance sheet.
How do crypto holdings price?
Crypto holdings are valued from the market history Budgie stores on device and refreshes in the background, so pricing stays available without a live rate broker.
Is the home screen number always accurate?
As accurate as your most-recent balance + FX rate. Manual accounts hold whatever balance you set; bank-synced accounts reconcile every sync.
Ready to take Budgie for a spin?
Join the waitlist — be first to try the offline-first expense tracker.