Budgetary: Budget & Expenses

Budgetary is a private, manual-first expense tracker and budget planner with bill splitting, loan and EMI tracking and savings goals built in. Track, budget, split, settle.

No bank login. No SMS reading. Every entry is yours, typed in seconds, and your ledger lives on your device. One money manager for spending, budgets, splits, debts and goals.

Track Expenses, Day by Day
- Spending tracker for income, expenses and transfers, with a built-in calculator keypad
- Unlimited categories and subcategories with your own icons and colours
- Tags, line-item itemization and receipt attachments on any transaction
- Home dashboard: income, expenses and net cashflow at a glance
- Sheet view: a spreadsheet-style grid for fast bulk entry

Budgets That Keep Pace
- Per-category budget planner with live progress and month-end projection
- Weekly, monthly, yearly or custom periods
- On-track or behind indicator, so you know before the month ends
- Spending stats: category breakdown ranked highest first, then drill into transactions

Split Bills, Settle Simply
- Split any expense equally or by custom shares across friends, flatmates or a trip group
- Per-person balances, payment history and a fewest-payments settle-up
- Local and personal: no invites, no accounts for your friends

Loans With Real EMI Math
- EMI loans with a full amortization schedule, interest accrual and payment recording
- Manual loans for informal IOUs, lend or borrow, with optional reminders
- Debts tab shows what you owe and what you are owed

Save, Plan, Repeat
- Savings goals with a target, deadline and the daily, weekly or monthly amount it takes
- Recurring income and expenses: daily, weekly, biweekly, monthly, yearly
- Due Soon card for bills due today or tomorrow
- Projects: budget a trip or event with its own limit and dates
- Accounts for wallets, cards, bank accounts and fintech apps, with balances that update on every entry
- Multi-currency: 40 currencies, per-transaction currency and a base currency

20+ Finance Calculators
EMI, simple and compound interest, SIP, FD, RD, GST, VAT, bill split with tip, inflation, emergency fund, savings goal, home affordability and more.

Your Data, Your Device
- Financial entries are stored in the on-device database, not on our servers
- Export a .bdg backup (optionally password-protected) to Files, and restore it on Android or iOS
- Export CSV for spreadsheets
- No ads, no usage analytics
- Available in 12 languages: English, Hindi, Tamil, Spanish, Portuguese, German, French, Italian, Dutch, Japanese, Korean and Chinese

Budgetary Plus
Most of Budgetary is free to use: unlimited transactions, categories, multi-currency, local backup and the everyday calculators. Budgetary Plus adds end-to-end encrypted cloud backup (only your passphrase can open it), the Insights hub (monthly recap, forecast, trends, net worth, cash-flow diagram, budget health score, savings rate, subscription detection), custom date ranges, 8 advanced calculators (FIRE, rent vs buy, debt payoff, retirement stress test and more), higher limits, push reminders and live exchange rates.

Plus is an auto-renewing monthly or annual subscription billed through Google Play. The price is shown in the app before you buy, payment is charged to your Google Play account at confirmation, and the subscription renews automatically unless you cancel at least 24 hours before the current period ends. Manage or cancel anytime in Google Play > Subscriptions. Plus is not required to use the app.

Privacy Policy: https://budgetary.in/privacy-policy
Terms of Service: https://budgetary.in/terms-of-service

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