Budget Buddy is a local-first money tracker for people who actually want to understand their finances — multi-currency, multi-account, with debts, assets, goals, budgets and inflation-adjusted net worth. iOS, Android and macOS, no account required.
Your transactions never leave your device unless you choose. Backups go to your Google Drive, in your account, in a folder you control. We don't run a server you have to trust.
Built for people who want more than a category pie chart. Track net worth, asset liquidity, debts to friends, inflation-adjusted purchasing power, multi-currency, and historical exchange rates.
Quick voice entry, bank statement import, transaction templates, recurring subscriptions, goals, budgets, products, loyalty cards. Turn on what you need, hide what you don't.
Budget Buddy reads bank statement CSVs from six bank formats out of the box. Drop a file in your Google Drive folder and the app picks it up, matches it against your existing entries, and shows you exactly what's new, what's a duplicate, and what's a date or time discrepancy to fix in one tap.
Liabilities aren't just credit cards. Track money lent to or borrowed from friends, with both sides in sync. Each person picks their own local liability account — names don't have to match. Only the minimum data is shared: amount, currency, date, memo, optional receipt.
Budget Buddy understands that not every asset is the same. Tag accounts as liquid (immediately spendable) or illiquid (locked up). Track physical and digital products you own with current valuations. See your real net worth across every currency, optionally adjusted for inflation.
Statistics use historical exchange rates per transaction, not today's rate retroactively. Inflation adjusts charts to real purchasing power. The Insights tab surfaces no-spend streaks, savings rate, average per-day income and expense, subscription totals, and "how long can you live on savings" projections.
A goal is a target amount in any currency. Link the asset accounts whose balances count toward it, the liabilities you want to pay down, and the expense categories where every purchase is real progress. Budget Buddy draws a single progress bar across all three and tells you who's contributing the most and when you'll get there.
Budgets are a different mental model from goals: a hard ceiling on how much you can spend in a category over a period. Pick the category, the amount, and the period — the app does the math, shows you what's left, and tells you exactly how much you can spend per day to stay under the cap.
Most apps treat subscriptions as a flat monthly cost. Real life isn't flat — Netflix raises prices, your gym switches to annual billing, your phone plan goes from monthly to yearly. Budget Buddy models that with multi-period pricing: each subscription is a chain of (start, end, cost, frequency) periods, so the totals you see are what you actually paid.
Budget Buddy stores everything in a SQLite database on your device. Backups are written to your own Google Drive folder, in an open ZIP format you can read with any unzip tool. The app can lock with a passcode plus Face ID or fingerprint, and Incognito mode hides amounts behind emoji at the long-press of a tile.
Open the Remote Access screen on your phone, scan or type the address on a desktop browser, enter the one-time passcode, and you're in. Bulk import bank CSVs, filter transactions, and review imports on a real keyboard.
Bring your own OpenAI key. The Agent reads your data through a read-only SQLite layer and proposes new transactions, accounts, subscriptions, and products as drafts you confirm explicitly. No background telemetry. No raw SQL exposure. Disable any time.
Privacy, multi-currency, debts, assets, insights, statements, browser console — no paywall, no sign-in, no asterisks.
Pro unlocks the AI Agent, premium templates, and advanced quick-access tiles. Subscribe via App Store or Google Play, manage anytime.
One Flutter codebase. One database format. One backup that works on all of them.
Free download. No account required. Your data stays on your device.