Budgsy tracks your recurring bills, daily spending, monthly budgets, savings goals, loans, and group splits — all in one app. Start free, upgrade when you need more.
📱 Free plan included · iOS & Android · No bank connection required
Reminder set
Con Edison
🔔 Due tomorrow
Monthly savings
$340 saved
↑ vs last month
All
Features in one app
50+
Currencies supported
7
Reminder timing options
0
Bank connections required
Everything you need
All your finances. One app. Full control.
Simple, fast, and powerful — without the complexity of traditional budgeting apps.
📋
Recurring bill tracker
Add rent, utilities, insurance, subscriptions — any recurring bill. Budgsy automatically calculates your next due date every time you mark something paid.
🔔
Smart payment reminders
Set push notifications per bill — same day, 1, 3, 7, 14, 30 days before, or a custom number of days. Never get caught off guard by a payment again.
💳
Daily spending tracker
Log one-off purchases — dining, shopping, transport — separately from your recurring bills, so you always know exactly where your money goes each month.
📊
Monthly budgets
Set a spending limit per category — food, transport, entertainment, or overall. Budgsy tracks how much you've spent and shows a live progress bar so you never overshoot.
🎯
Savings goals
Set a target — a trip, a new phone, an emergency fund — and log deposits as you save. Budgsy shows your progress, tells you how much to save per day or month to hit your deadline, and can remind you to contribute.
🤝
Loan tracker
Track money you've lent or borrowed. Share a live loan link with the other party so both sides always see the current balance and repayment status — no chasing needed.
✈️
Group expense splitter
Create a split, add your group, and log who paid what. Budgsy calculates exactly who needs to pay whom and lets you share a live settlement link with anyone — no app required to view it.
☁️
Works offline, syncs when you want
Budgsy works fully without an account. Sign in anytime to back up your data and keep it in sync across every device you use — completely optional.
🌍
Multi-currency support
Track expenses in 50+ currencies. Set a default for your dashboard, then switch per expense or per split — Budgsy converts everything for your totals.
Simple by design
Up and running in 2 minutes
No complicated setup. No bank connections. No learning curve.
1
Add your expenses
Type the name, amount, category and due date. Pick how often it repeats — weekly, monthly, yearly or custom. Takes 20 seconds per expense.
2
Set your reminders
Choose when to be notified — 1 day, 3 days, a week before. Budgsy schedules the push notification automatically and recalculates after every payment.
3
Stay ahead, always
Open the app anytime to see what's coming up. Mark bills paid, skip one-off months, or pause expenses you've cancelled. Full control, zero stress.
Never miss a payment
Reminders that actually work
Every expense gets its own reminder. You decide how many days in advance — Budgsy handles the rest. Even if you forget to open the app, the notification finds you.
✓ Same day, 1, 3, 7, 14 or 30 days before
✓ Auto-reschedules after every payment
✓ Works offline — no internet needed
✓ Set different reminders per expense
🔴
Netflix renews tomorrow
$22.99 · Monthly subscription
1 day
⚡
Con Edison bill due soon
$186.00 · New York, NY
3 days
🌐
Domain renewal coming up
$16.99 · budgsy.com
7 days
🏠
Rent — Manhattan apartment
$2,400.00 · Jul 1
14 days
Group expense splitter
Group splits, without the awkward math
Stop doing settlement math in a group chat. Budgsy tracks every expense, splits it fairly, and tells everyone exactly who needs to pay whom.
🏔️ Road Trip — NYC to Miami
$2,847.00
Jun 10–18 · 4 members · 15 expenses logged
J
M
T
A
Recent expenses
Hotel — Night 1
$420.00
Akash's flight upgrade
→ assigned to Akash
$89.00
Settlement
Muhammadneeds to payJohn$184.25
Tonyneeds to payJohn$267.50
Akashneeds to payMuhammad$129.75
🔗 Live settlement link — anyone can view, no app needed
🏖️ Vegas Weekend — Las Vegas, NV
Upcoming
Jul 4–7 · 3 members added
Create a split, add your group, and log who paid for what — fuel, food, hotel, anything. Budgsy calculates the fairest settlement with the fewest transactions possible, so nobody's chasing five different people for small amounts.
✓ Works for any group size, any split length
✓ Share a live link — friends see the settlement without installing the app
✓ Control who can add expenses — full access, own expenses only, or view-only
✓ Assign expenses directly to a member — their debt is settled 1-on-1, not split equally
✓ Smart settlement math — fewest transfers, always fair
✓ Full split summary and history once the split ends
Simple pricing
Start free. Upgrade when you're ready.
Your data always stays yours. Upgrade any time to lift the limits and unlock cloud sync.
Free plan is free forever. Pro is billed through the App Store or Google Play. Cancel anytime.
Why Budgsy
Built differently, on purpose
🔒
We don't connect to your bank or ask for your financial credentials. You enter what matters, Budgsy handles the reminders — your data stays yours.
🔔
No generic daily nags. Budgsy only reminds you exactly when you asked to be reminded — same day, a week before, whatever fits each bill.
📱
Bills, spending, budgets, savings goals, loans, and group splits — one app instead of many. Built to stay out of your way, not add another thing to manage.
Available on iOS & Android
Take control of your finances today.
Download free. Set up in 2 minutes. Free plan included — no credit card, no trial expiry.
Yes — Budgsy has a free plan that's free forever. You can track up to 5 bills, 10 spending entries per month, 2 budgets, 2 savings goals, 3 loans, and 2 splits at no cost. Upgrade to Pro ($4.99/month or $39.99/year) to remove all limits and unlock cloud sync and sharing features.
The free plan includes every feature — bills, spending, budgets, savings goals, loans, splits, and reminders — with generous limits. You get 5 bills, 10 spending logs per month, 2 monthly budgets, 2 savings goals, 3 loans, and 2 splits. Cloud sync and the ability to share loans or splits require a Pro subscription.
No. Budgsy is fully manual — you enter expenses yourself, with no bank connections required. Your data lives on your device by default; signing in is entirely optional and only used to back up and sync your data.
No — Budgsy works fully without signing in, with all your data stored locally on your device. If you want cloud backup, multi-device sync, or the ability to share loans and splits, you can create a free account anytime from the Profile tab.
When you add a bill, you pick how many days before the due date you want to be reminded — same day, 1, 3, 7, 14, 30 days before, or a custom number of days. After you mark something paid, Budgsy automatically schedules the next reminder for the following cycle.
Bills are your recurring expenses — rent, subscriptions, insurance — anything that repeats on a schedule. Spending is for one-off purchases like dining out or shopping, tracked separately so your recurring commitments stay clear.
Go to the Budgets tab, create a budget for a category (food, transport, entertainment, or overall), and set a monthly limit. Budgsy tracks your spending entries and paid bill payments against that limit and shows a live progress bar so you always know where you stand.
Create a goal with a name, target amount, and an optional deadline, then log deposits whenever you put money aside. Budgsy shows a live progress bar, works out how much you need to save per day or per month to stay on pace, and can send you daily, weekly, or monthly contribution reminders.
Add a loan as either a lender (you lent money) or borrower (you owe money). With a Pro subscription you can share a live loan link with the other party — they see the current balance and any repayments in real time, no app required on their end.
Create a split, add your group members, then log every expense with who paid. Budgsy calculates the fairest settlement — fewest transfers, everyone pays the right amount. With Pro, share a live link so anyone in the group can view the settlement, even without the app.
Budgsy supports USD, GBP, EUR, PKR, INR, AUD, CAD and more. You can set a default currency in settings and change it per bill, spending entry, or split.
By default your data stays on your device. If you sign in and have a Pro subscription, Budgsy automatically backs up and syncs everything — bills, spending, budgets, loans, and splits — so you never lose anything if you switch phones or reinstall.
Get in touch
We'd love to hear from you
Have a question, feature request, or just want to say hello? We reply within 24 hours.
