Budgeting, beautifully simple.
A 50/30/20 budget app
that keeps payday clear.
BudjetBuddy splits your income into needs, wants and savings on the simple 50/30/20 rule, then helps you plan bills, scan receipts and see what is safe to spend.
No bank login, ever · Works offline · Your budget stays on your phone · Free to start
Everything you need,
nothing you don't.
Clear, focused tools built around one simple rule, for anyone who wants to spend with intention and save without spreadsheets.
No more spreadsheets you open once and never touch again.
Your 50/30/20 budget
Your income auto-splits into needs, wants and savings, with a live health score that tells you at a glance whether you're on track.
Private by default
Your budget lives on your device. Lock it behind a PIN or biometrics. Cloud backup is yours to switch on, never assumed, and we never sell your data. Prefer the dark? A full dark theme is a tap away.
Automatic captureAndroid
BudjetBuddy reads the payment alerts from the banking and e-wallet apps you pick and drafts each one into a queue you review. Nothing is posted without you, and a history records what became of every capture. Every alert is read on your phone and never leaves it.
Debt service ratio
See how much of your income your debts already take. BudjetBuddy works out the same ratio a bank does, warns you as you near the cutoff they lend against, and projects how it falls as your loans are paid off. It is part of the free tier.
Also included
Payday checklist
Line up bills, loans and cards for each payday, tick them off as you pay, and let it reset every cycle.
Receipt scanningPremium
Snap a receipt and AI fills in the amount, merchant, date and category before you confirm it.
Goal jars
Name what you're saving for, set a target, and watch it fill up. Money with a purpose sticks.
Quick addiOS
Share a payment in from any app, or wire a Back Tap or a Siri phrase to the amount pad.
Health score
One number, updated as you spend, that tells you whether this month is safe.
Works offline
No connection needed. Saved to your phone the instant you tap it, on a plane or underground.
Category limits
Set what groceries or dining out should cost. Your limits add up as you type, so you see if they fit.
Bill reminders
A nudge before a bill is due, and a weekly digest of where your money went. Pick your day and hour.
Subscription tracking
Streaming, cloud storage, the gym, that app you signed up for once. See what renews itself and what it all quietly adds up to each month. Premium finds the ones you forgot.
Trackers
Loans, cards, investments and more, each with its own simple tracker, so nothing sits forgotten.
Shared budgetsPremium
Start a household with your partner or family and share Goal Jars. Only one of you needs Premium.
Streaks
A budget only works if you keep using it. Log an expense each day and watch your streak grow.
Learns your merchants
Categorise a merchant once and BudjetBuddy remembers it next time. Review or correct anything it has learned.
Choose your apps
Pick exactly which banking and e-wallet apps auto-capture may read. The rest are never touched.
AI import
Already on a spreadsheet or a bank statement? Hand over the file and AI sorts it out. One import a month is free.
CSV and PDF export
Take any month with you as a spreadsheet or a formatted report. Free on every plan, because your numbers are yours.
Cloud syncPremium
Backs your budget up and syncs it to your other phone or tablet.
CryptoPremium
Connect Luno with a read-only key and your crypto sits with the rest of your money. We look, never touch.
See it in action
A closer look.
Real screens, real numbers. This is what a month with BudjetBuddy looks like.
Income, buckets and trackers in one view
What changed this month, not just what you spent
Tick off bills; it resets every cycle
The 50/30/20 rule
A budget you'll actually keep.
Half your income covers needs, a third goes to the things you enjoy, and the rest builds your future. The simplest budgeting rule that works, and BudjetBuddy does the math for you. Prefer a different mix? Every split is fully adjustable.
Clarity in three steps.
No spreadsheets, no steep learning curve. Set it up once and check in whenever you spend.
Set your income
Tell BudjetBuddy your monthly income and payday. It builds your 50/30/20 targets instantly, and you can fine-tune the split anytime.
Log as you spend
Add expenses with a tap or scan a receipt. Each one lands in the right bucket, so your budget stays up to date.
Stay on track
Watch your health score, work your payday checklist, and see your savings grow. Adjust before the month gets away.
Take control
of your money.
Free to start, and it takes a few minutes to set up.
BudjetBuddy is live on the App Store for iPhone and on Google Play for Android.