Your money, finally making sense
AI-powered budgeting at $9.99/month — smarter and cheaper than YNAB, Copilot, and Monarch. Family plan available from $24.99/month.
50K+
Active users
$2B+
Tracked annually
4.9★
App Store rating
94%
Stay on budget
Built on technology you can trust
Bank connections
AI engine
Payments
Real-time data
Encryption4.9 / 5 from 500+ reviews on the App Store & Google Play
“BudgX finally made budgeting stick. The AI nudges feel like a friend reminding me, not a nagging app. I actually look forward to my weekly insight.”
“Hit my first savings goal in 3 months. The insights showed me exactly where I was leaking money. Now I'm on track for a down payment.”
“My partner and I share a household budget on BudgX and it's been a game changer. We actually talk about money now instead of arguing about it.”
“Receipt scanning + auto-categorisation means I spend about 2 minutes a week on finances now. The debt payoff planner is helping me crush my student loans.”
Features
Finance tools that actually work for you
From daily nudges to long-term goals, BudgX adapts to how you spend and save — not the other way around.
Your AI financial coach,
always on call
Powered by Anthropic's Claude, the AI in BudgX reads your real spending data — not generic advice. It adapts to your habits week by week and gets smarter over time.
- Weekly insights every Sunday based on your actual spending
- Nudges sent before you hit your limit — not after
- Ask "Can I afford this?" and get a data-backed answer
- AI-generated budgets from your income and spending history
Know every transaction,
automatically
Connect your bank once with Plaid and transactions appear instantly — categorised by AI. Recurring bills are detected automatically so nothing slips through the cracks.
- Bank sync via Plaid — US, Canada, UK & Europe supported
- AI auto-categorises every transaction, no manual tagging
- Automatic recurring bill detection (subscriptions, rent, etc.)
- Upcoming bill alerts 1, 3, or 7 days in advance
Budget together,
save together
Create shared budgets with a partner, roommate, or family. Everyone sees combined spending vs. limits in real time. Set shared savings goals and contribute together.
- Shared budgets with per-member spending breakdown
- Savings goals anyone in the group can contribute to
- Invite by email, accept in one tap
- Role-based access: viewer, contributor, or admin
One subscription for
the whole household
5 full Premium accounts for the price of 2.5 individual plans. Every family member gets their own AI coach, unlimited budgets, and bank sync — plus shared spaces to manage household finances together.
- Up to 5 household members — each with full Premium access
- Shared budgets with per-member spending breakdown
- Family savings goals — everyone contributes
- Private accounts — each member's data stays their own
- Save $300+/year vs 5 individual Premium plans
7-day free trial · No card required
Everything included
Not a feature list — a full platform
Every capability below is built into BudgX — not a separate tool or a premium add-on maze.
Weekly AI Insights
Personalised Sunday report on your spending patterns
AI Chat Coach
"Can I afford this?" — get a data-backed answer instantly
Savings Goals
Milestones, contribution tracking, and AI accountability
Bill Reminders
Alerts 1, 3, or 7 days before every recurring bill
Recurring Detection
Auto-finds subscriptions and recurring charges
Investment Tracking
Portfolio overview, holdings, and return metrics
Debt Payoff Planner
Avalanche & snowball with payoff date projections
Receipt Scanning
OCR capture on iOS & Android — no typing required
Multi-Currency
Live FX rates for 160+ currencies, updated daily
Offline Mode
Full dashboard access without an internet connection
Achievements
16 badges and 9 XP levels to keep you motivated
Shared Finances
Partner & family budgets with combined spending view
Get started
Up and running in under 2 minutes
No spreadsheets. No guesswork. Set up once and let AI keep you on track.
Create your account in 30 seconds
Sign up with email. No bank link required to start — you can add transactions manually or connect later for automatic sync.
- Choose your currency and timezone
- Optional: link bank for auto-import via Plaid
- Your data is encrypted and never sold
Set your first budget and goals
Tell us your income and what matters to you. Our AI suggests category limits, or you can use the 50/30/20 rule. Add one or more savings goals in one tap.
- AI-generated budget or fully custom limits
- Savings goals with milestones and deadlines
- See your complete financial plan in one dashboard
Get your first insight in minutes
Add a few transactions or connect your bank. You will see where you stand, get your first nudge, and can chat with the AI coach anytime.
- Real-time spending vs. budget
- Weekly insights every Sunday
- Unlimited AI questions in Premium
No credit card · 2-minute setup · Cancel anytime
Available everywhere
One experience, every device
Whether you're on your laptop or your phone, BudgX has a native experience waiting. Full feature parity across web, iOS, and Android.
Web App
Full-featured dashboard at app.budgx.ai — no install needed.
- Complete budget & transaction management
- AI coaching and weekly insights
- Advanced reports & analytics
- Investment + debt tracking
- Shared budgets & goals
iOS App
Native Swift UI — fast, beautiful, and built for iPhone.
- Full offline mode with Hive cache
- Face ID & Touch ID biometric login
- Push notifications & bill reminders
- Receipt scanning with OCR
- Home screen widgets
Android App
Built with Flutter — same codebase, native Android feel.
- Full offline mode with Hive cache
- Fingerprint biometric authentication
- Push notifications & bill reminders
- Receipt scanning with ML Kit OCR
- Home screen widgets
Real-time sync across all devices. Add a transaction on your phone and it appears on the web instantly — powered by Firebase real-time listeners.
Bank-level security,
built in from day one
We obsess over security so you don't have to. Your financial data is treated with the same care that banks use — encrypted, isolated, and never sold.
- AES-256-GCM encryption at rest and in transit
- Two-factor authentication (2FA) on every account
- Read-only Plaid connection — we can never move money
- GDPR ready — export or delete your data anytime
Pricing
Simple, honest pricing
Less than YNAB. More features than every competitor. Free forever plan included.
Free
No credit card required.
- 30 transactions per month
- 3 budget categories
- 2 savings goals
- Basic spending overview
- Manual entry & CSV import
- Mobile app (iOS & Android)
- AI coach & insights
- Bank sync via Plaid
- Bill reminders & nudges
Premium
7-day trialBilled monthly · Cancel anytime
- Everything in Free
- Unlimited transactions, budgets & goals
- Full AI coach — Claude (unlimited chat)
- Bank sync via Plaid (12,000+ banks)
- Behavioral nudges & bill reminders
- Investment & debt payoff tracking
- Advanced reports & PDF export
- Receipt scanning (iOS & Android)
- Multi-currency support
- Custom categories
- Ad-free · Priority support
No credit card required · Cancel anytime
Family
Up to 5 members~$5/person · vs $9.99 individually
- Everything in Premium
- Up to 5 household members
- Shared budgets — per-member breakdown
- Family savings goals (all contribute)
- Each member gets full AI coach
- Save $300+/year vs 5 individual plans
Save $300+/year
vs 5 individual Premium plans
7-day free trial · No credit card required
FAQ
Frequently asked questions
Everything you need to know before you start.
What does the free plan include?
How much does Premium cost?
What is the Family plan?
Can family members each have their own account?
How does the free trial work?
Is my financial data secure?
Can I use BudgX without linking my bank?
What AI model powers BudgX?
Does BudgX work on mobile?
Still have questions? Email us — we reply within 24 hours.
Ready to take control of your money?
Join 50,000+ people building better habits with BudgX. Cheaper than YNAB. More powerful than any competitor. Start free today.