Private Budget App — A Cloud-Free Alternative
Cloud-based personal finance apps mirror every transaction to their servers. Budgie keeps your ledger on your device. No account, no aggregator, no exposure.
Why this matters
Cloud-based personal finance apps mirror every transaction to their servers. Budgie keeps your ledger on your device. No account, no aggregator, no exposure.
Budgie vs. the category
Cloud-based PFM apps mirror your transactions to their servers, share data with aggregators, and store your bank credentials. Budgie does none of this — your data stays on your device, encrypted.
Budgie uses direct bank APIs (Monobank) and PDF/Excel statement imports (Erste, PrivatBank, anything CSV). No third-party touches your data.
You backup to your own iCloud Drive, Google Drive, or Dropbox. Budgie never sees your data — your cloud, your keys.
Yes — Budgie's source is public. Read the network code yourself: github.com/budgie-at/budgie.
Feature comparison
| Feature | Budgie | Cloud-based PFM apps |
|---|---|---|
| Where transactions live | Encrypted on your device | Vendor's cloud + aggregator |
| Account required | No | Yes — email + password |
| Bank login | Optional, direct API tokens | Required, via aggregator |
| Subscription | Free for core, optional one-time unlock | Monthly recurring |
| AI runs | On your phone | In the vendor cloud |
| Public source | Yes | No |
Frequently Asked Questions
How is Budgie different from cloud-based PFM apps?
How does bank sync work without an aggregator?
What about multi-device sync?
Is the privacy claim verifiable?
Related Features
Read More on the Blog
Ready to take Budgie for a spin?
Join the waitlist — be first to try the offline-first expense tracker.