Scarbo: Budżet domowy, koperty

Scarbo—read "treasure," because your money is your treasure.

Scarbo is a home budget using the envelope method, in Polish and free. Before you spend, you assign each złoty a task: this much for rent, this much for food, this much for vacation. At the top, you always see how much you still have to allocate. No stress, no regrets—you simply know what you can afford.

WHY SCARBO
• Free forever. No ads, no subscriptions, no paid features.
• No account or login required. Your data stays only on your phone.
• In Polish from start to finish: złoty, Polish banks, salary on the tenth.

ENVELOPELS THAT WORK
• Envelope groups: bills, everyday expenses, pleasures, goals.
• Allocate money for the month with a single tap.
• Unspent money rolls over to the next month.
• Shift amounts between envelopes when life changes plans. • Your budget month can start on your payday.

EXPENSES IN 5 SECONDS
• First, the amount – convenient keyboard with a comma.
• Scarbo suggests a category based on your history.
• Today, yesterday, or any date. Done.

CSV IMPORT FROM POLISH BANKS
• PKO BP, mBank, ING, Santander, Pekao, Millennium, Alior, and Revolut.
• Scarbo automatically recognizes the bank and file encoding (including Windows-1250).
• Skips duplicates and remembers which envelope a given recipient goes to.
• Another bank? Assign columns manually.

RECURRING PAYMENTS AND GOALS
• Rent, subscriptions, installments – they add automatically or wait for your approval. • Goals like "Vacation" or "Financial Cushion" with progress and a guide on how much to save each month.

REPORTS YOU UNDERSTAND
• Expenses by category.
• Month-to-month comparison.
• Income versus expenses over time.

YOUR DATA, YOUR BUSINESS
• Everything saved locally on your device.
• One-touch file backup – transfer it to a new phone, even between iPhone and Android.
• Anonymous usage statistics only if you enable them.

Light and dark themes, large buttons, and clear numbers in the format of PLN 1,234.56.

Scarbo is not a financial advisor – it's a calm, friendly tool that helps you see where your money is.

Terms and Conditions: https://scarbo.web.app/regulamin
Privacy Policy: https://scarbo.web.app/polityka-prywatnosci