Where is my financial data stored?

On your phone, and nowhere else. Budgie has no account system and no server of its own, so there is nothing to upload and nothing for us to read. Set a PIN and the data is encrypted on the device with that PIN.

Does Budgie work without an internet connection?

Yes. Adding transactions, budgets, tags, analytics and every screen that reads your history run entirely from the local database, so the app behaves the same in aeroplane mode. Only bank sync and exchange-rate refreshes need a connection, and they catch up when you are back online.

Can I sync my bank without giving Budgie my bank login?

Yes. Monobank sync uses a personal API token that you generate yourself in your bank, and the request goes from your phone straight to the bank. For other banks you import a statement file instead. Budgie never asks for a banking password and there is no aggregator such as Plaid in between.

Is Budgie open source?

The source is public, but the licence is not OSI-approved open source. Budgie ships under the O'SAASY licence: you can read every line on GitHub, fork it and contribute, while commercial redistribution stays with the project.

Is there a subscription?

No. Budgie is completely free, with no paywall and no paid tier. The expense tracker, bank sync, and on-device AI never expire and never charge you.

Private beta

Your money. Your phone. Nobody else's server.

Name: Budgie
Availability: PreOrder
Author: Budgie

Offline expense tracking that never phones home.

No spam, ever. Unsubscribe anytime.

Budgie showing a total balance, a monthly budget bar and bank, cash and savings accounts on one screen

100% on-device

Source-available on GitHub

iOS and Android

How a transaction moves through Budgie

Five screens of the real app, in the order you actually meet them.

Add it in three taps
The keypad opens first. Type the amount, keep the account Budgie already picked, and save.
It files itself
The merchant and its category land on the entry before you finish typing, decided by a model running on your phone.
Your bank, with nobody in between
Monobank cards and jars arrive through your own token, straight into the database on your phone.
See where it actually goes
Spending by category and by tag, for any period, and every slice opens the transactions underneath it.
Works with the radio off
Everything above runs from a database on the device. Aeroplane mode changes nothing about what you can see or do.

Budgie New Expense screen with the amount keypad open and Main Checking preselected as the account

Budgie Edit Expense screen showing the Silpo merchant recognised and the Groceries category already filled in

Budgie Monobank screen listing two cards and a car jar, each with a balance and a switch

Budgie analytics screen breaking spending down by category with amounts and percentages

Budgie transactions list showing 81 transactions loaded with no network request in flight

Amount first, no form
Account picked for you

Merchant recognised locally
Category chosen on device

81 transactions, no request
The whole list, no spinner

What an offline expense tracker can do

Accounts, budgets, analytics and bank imports, all running from the same local database.

Offline-first expense tracker

No account, no cloud sync, no tracking. The database lives on your phone and the app never needs a connection to open, search or calculate anything.

Budgie settings screen showing the 100% offline and private card above app lock and screenshot protection

Net worth tracker for mobile

Cash, bank, savings, crypto and debt in one number, converted daily.

Budgie home screen with a total balance, savings accounts and money owed and lent

Monobank sync with no aggregator

Your own token calls the bank API directly. No Plaid, no data broker.

Budgie Monobank screen listing two cards and a car jar with their balances

Budget limits that match your payday

Set a monthly ceiling and per-category limits that reset when you get paid.

Budgie budget details screen with a monthly budget bar and per-category limits

Spending analytics that actually help

Category and tag breakdowns for any period, each one drilling into its transactions.

Recurring payments calendar

Detected subscriptions laid out by date, so renewals stop surprising you.

Voice entry, transcribed on your phone

Say what you spent and Budgie logs it. The audio never leaves the device.

Budgie home screen with a microphone button recording a voice entry over the accounts list

A private budget app alternative

Your finances stay on your device, with app lock and screenshot protection built in.

Budgie Settings screen with a Privacy card stating all financial data is stored locally on the device

Categorization that runs on your phone

Category suggestions are computed on-device, so your transactions are never sent to a server.

Budgie new expense screen suggesting Transportation and Groceries categories above the amount keypad

Budgie vs cloud budgeting apps

We believe in transparency. Here's an honest comparison with other popular budgeting apps.

Feature	Budgie	Cloud Apps
100% Offline
Data on your device only
Biometric lock + on-device encryption with your PIN
Source-available code
No account required
Works without internet
No data mining
Bank sync available
Crypto tracking
Multi-currency support

Cloud Apps include Mint, Emma, Snoop, and similar services that store your data on their servers.

Why offline-first and source-available matter

There is no server to phone home to

Every transaction, budget and chart is computed on your phone. There is no account to create, so there is nothing to sign into, nothing to sync and nothing to leak. Turn the radio off and the app behaves exactly the same.

How offline-first expense tracking works

You do not have to take our word for it

The application source is published under the O'SAASY license, so anyone can read the code that touches money, check that nothing is uploaded, and open an issue when it is not.

Read the source on GitHub Source-available personal finance Encryption, PIN lock and screenshot blur

What beta testers changed after a week

Quotes from anonymized beta tester feedback. Names and locations have been changed to protect privacy.

I was spending way more on "small purchases" without realizing it. Budgie showed me the truth in the first week. The breakdown by category was eye-opening.

Beta tester, KyivSoftware engineer

I found recurring subscriptions I had completely forgotten about. Cancelled them straight away, and those small amounts really add up.

Beta tester, LvivProduct manager

The privacy aspect sold me. My financial data stays on my phone. No company is mining my spending habits. That's how it should be.

Beta tester, San FranciscoSecurity researcher

Offline expense tracker FAQ

Where the data lives, what works offline, how bank sync avoids your login, and what it costs.

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