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Budgie

Offline Budget App — Track Expenses Without Internet

Every transaction is stored locally. No Wi-Fi required to add expenses, view balances, or import bank data. Works anywhere.

  • Full expense tracking with zero internet dependency
  • Import bank CSVs and PDFs without a cloud connection
  • Multi-currency exchange rates cached locally for offline use
  • Analytics, charts, and reports work entirely on-device
  • Local backup files you can restore without a server — encrypted whenever your PIN is set
Join WaitlistAll Features

Self-Hosted Finance App on Mobile — Without Running a Server

Self-hosting promises privacy but ships a server you have to babysit. Budgie gives you the same data ownership with zero ops — your phone is the server.

CSV Bank Statement Import

Any bank, any column order — set it up once per source, then it's two taps from there.

Erste Bank PDF Import

Classic and modern PDF formats — full statement import in seconds.

Multi-Currency Accounts, One Total

Track in any currency. Sum in yours. Exchange rates refresh in the background.

Database Backup & Restore

One file. No account. Restore by picking it — encrypted if your PIN was set.

Budget Planning

Monthly limits, a home-screen widget, and 80% / 100% alerts computed and deduplicated on your device.

Turn the radio off, nothing changes

Three screens with nothing behind them — the list, the entry, and a Settings page with no account on it.

  1. Airplane mode changes nothing

    The full list renders with the radio off. No spinner, no retry.

  2. Saving is instant

    The row lands and the balance updates before a network app finishes its request.

  3. Nothing to sign into

    No account row anywhere in Settings — because there is no account.

Budgie transaction list showing eighty-one transactions read straight from the on-device database
81 transactions, no request
The whole list, no spinner
Budgie new expense screen with the amount keypad, account row and confirm button
Amount first, no form
Writes straight to the device
Budgie settings screen with security, language, currency and default account rows and no sign-in row
No cloud sync, no tracking
A PIN, not a login
  1. 81 transactions, no request
  2. The whole list, no spinner
  1. Amount first, no form
  2. Writes straight to the device
  1. No cloud sync, no tracking
  2. A PIN, not a login

Why offline-first matters for an expense tracker

Most budgeting apps push every swipe and balance to a remote server. That makes them fragile when the internet drops, and risky when those servers leak. Budgie inverts the model: your database lives on your phone, encrypted with your PIN once you set one, and that's the whole story. There is no backend reading your statements.

You can log an expense at 30,000 feet, walk through a Tube tunnel, or work a week off-grid — Budgie just keeps working. When you are back online, optional bank sync fills in the gaps you missed; manual edits are never blocked.

What you get

Works in airplane mode, tunnels, and rural areas — logging expenses, viewing analytics, and managing categories all run on your device

No sign-up, no email, no account — install and start logging

Your database is encrypted on the device once you set a PIN — that PIN is the key

No backend means no breach surface — there is nothing to leak

Optional bank sync uses your own API tokens — never a third-party aggregator

Cloud apps vs. Budgie

ConcernCloud appBudgie
Data locationVendor servers + PlaidYour device only
Works offlineRead-only at bestYes, fully
Account requiredYesNo
Subpoena riskVendor can be compelledNone — no servers

Frequently Asked Questions

Can I add transactions without an internet connection?
Yes. The entire transaction entry flow — amount, category, tags, account — works fully offline. Your data is written directly to the on-device database with no network call.
How does multi-currency work offline?
Exchange rates are fetched and cached locally when you have connectivity. You can continue converting currencies offline using the last-fetched rates, with a visible timestamp so you always know their age.
Can I import bank statements without Wi-Fi?
CSV and PDF files already on your device can be imported offline. Monobank sync requires a brief network call to Monobank's API, but every other import source works locally.
Will my analytics still work offline?
All charts, category breakdowns, tag analytics, and net-worth calculations run against the local database. They work identically whether you are connected or not.
What happens to my data if I lose internet for weeks?
Nothing happens — your data is safe on-device. You can keep adding transactions, reviewing history, and running reports with no interruption. Sync features like Monobank simply wait until you reconnect.
Does Budgie work without internet?
Yes, fully. Every core feature — logging expenses, viewing analytics, managing categories — runs entirely on your device. Internet is only used when you opt in to bank sync, AI model downloads, or exchange-rate updates.
What happens if I lose my phone?
Without a backup file, your data is gone — that's the privacy trade-off. Budgie exports a copy of the database file — encrypted if your PIN was set — that you can save to iCloud Drive, Google Drive, or anywhere else. Restoring it on a new device takes a few steps: pick the file, confirm the replace, enter that backup's PIN, and let the app restart.
What's the catch with offline-first?
The trade-off is multi-device sync — there's no automatic sync via our servers because we don't have any. Use a backup file copied through your own cloud storage if you need to move between devices.