One app for your budget, your goals and your net worth
Budgeteer brings payday-based budgeting, fast transaction editing, clear analytics and long-term wealth tracking together, without asking for your bank password.
Budget from payday to payday
A period starts when your income lands, not on the first of the month. Set a spending budget, watch what's left, and start the next period when you get paid again.
- Periods run from one payday to the next, with custom start and end dates
- A default budget is filled in for every new period, and you can change it inline anytime
- Top-up income: mark a side hustle or second-hand sale to add it straight to your budget
- Timely nudges when income, first expenses or savings are missing
Spreadsheet speed, app structure
Log fixed, life and variable expenses, plus income and savings. Edit any cell in place: date, amount, category, necessity, and more.
- Five transaction types: fixed, life, variable, income and saving
- Inline editing for every field, with instant optimistic updates
- Tag each expense as necessary, maybe, or not necessary
- Global filters for search, category, date range, necessity and top-ups
See where every euro goes
Interactive charts turn raw transactions into answers. Click any bar or slice to see the transactions behind it.
- Cash-flow waterfall from income down to what's left
- Income vs expenses per month, by transaction type
- Cumulative spending against your budget line
- Category rankings and expense-type breakdowns
Cumulative spending
Day 21 of 30
Expenses
Fixed, life and variable split
Income vs expenses
Monthly movement by transaction type
Know your true cost of living
Rent, insurance, subscriptions: every recurring cost converted to its monthly equivalent, whether it's billed monthly or once a year.
- Monthly, quarterly, semi-annual and annual billing
- Flag costs as subscription, essential, or shared
- Pause a cost without losing its history
- Category treemap of where your fixed money goes
Goals that fill themselves
Link saving transactions to a goal and watch progress update on its own. No separate balance to keep in sync.
- Target amounts with progress computed from real transactions
- Link savings to a goal right from the transaction table
- Keep active, reached and cancelled goals apart
- Totals across all active goals at a glance
Your home is part of the picture
Track property value growth and fixed-rate mortgages with full amortization schedules, so you always know the equity you own.
- Property value estimated with compound monthly appreciation
- Mortgage amortization with principal and interest per payment
- Remaining balance, interest paid to date and final payment date
- Equity calculated automatically: value minus remaining mortgage
Watch your net worth grow
Record dated snapshots of your savings, investments, property equity and debts, and see the trend build over the years.
- Custom asset and liability categories
- Include property equity automatically, or override it
- Net worth, year-to-date change and largest category
- Export your snapshot history to CSV
Import fast, review with care
Upload a bank statement, skip the duplicates automatically, and review each transaction before it lands in your budget.
- Supports KBC CSV statements today, with more banks planned
- Duplicate detection keeps your history clean
- Accept, edit or reject one transaction at a time
- Descriptions cleaned up from bank jargon
The details that make it yours
Custom categories, a monthly recap, a complete export and an interface that works on every screen.
Categories
Add categoryExpenses
15 categoriesIncome
2 categoriesSavings
2 categoriesCustom categories
FreeBuild the categories that match how you think about money: groceries, gaming, 13th month, ETFs. Rename and recolour them anytime.
From Budgeteer <[email protected]>
Subject Your September 2026 summary
September 2026 wrapped up
Your budget closed with €334 left and €600 moved into savings.
Income
€3,450
Spent
€2,511
Saved
€600
Top categories
Monthly email summary
ProOpt in to get a clear summary of the period you just closed, with totals and category breakdowns, sent to your inbox.
budgeteer-export-2026-10-15.zip
Export- transactions.json412 KB
- budgeting_periods.json18 KB
- categories.json6 KB
- fixed_expenses.json4 KB
- capital_track_entries.json9 KB
- mortgages.json2 KB
- real_estate.json2 KB
Full data export
FreeDownload everything (transactions, periods, categories, fixed costs, wealth data) as structured JSON whenever you like.
Made for every screen
FreeA fully responsive interface with touch-friendly controls, so adding an expense at the checkout takes seconds.
Why not just use a spreadsheet?
Spreadsheets are flexible, and many budgeting apps are polished. Budgeteer combines the flexibility of one with the structure of the other.
| Capability | Budgeteer | Spreadsheet | Typical budgeting app |
|---|---|---|---|
| Budget periods that follow your payday | Manual setup | Usually calendar months | |
| Edit any value inline | Varies | ||
| Recurring costs as monthly equivalents | Manual formulas | Varies | |
| Necessity tag on every expense | Manual | ||
| Saving goals linked to real transactions | Manual | Varies | |
| Mortgage amortization and property equity | Manual formulas | Rarely | |
| Charts that open the underlying transactions | Varies | ||
| Works without bank credentials | Often requires them | ||
| Full export of your data | Varies |
See it with your own numbers
Free to start. No bank connection, no credit card. Just a clearer view of your money from one payday to the next.