Your Personal Financial AI Assistant

Stop guessing about your finances. Get instant insights, smart recommendations, and automated tracking that helps you save money, achieve goals, and build wealth with confidence.

AI-powered financial insights

Save Time & Money

Automate your financial tracking and identify opportunities to save

2 hours/week saved

Achieve Your Goals

Turn your financial dreams into reality with smart goal tracking

85% goal success rate

Build Better Habits

Develop healthy financial habits that last a lifetime

3x more likely to save

Make Smart Decisions

Get instant financial advice and make confident choices

Instant purchase analysis
10K+
Active Users
$2M+
Assets Tracked
50K+
Transactions
4.9★
User Rating

Should you buy it? We'll tell you instantly

Get instant financial advice on any purchase. Our AI analyzes your budget, goals, and financial health to give you personalized recommendations.

Instant Analysis

Get immediate feedback on whether a purchase fits your financial plan

Risk Assessment

Understand the impact on your budget, goals, and overall financial health

Smart Alternatives

Discover better ways to spend your money or save for bigger goals

Can I Buy This?

Yes, you can afford it!

This purchase fits well within your budget and won't impact your savings goals.

Risk Level: Low
Budget Impact: 2%

Dream Home Fund

€42,500 of €80,000
53%
€10,000 Month 2
€25,000 Month 4
€40,000 Month 6
€80,000 Month 12
Monthly Save: €3,200
Ahead By: 4 months
Amazing! You're 4 months ahead of your target date.

Turn your dreams into reality

Set ambitious financial goals and watch your progress with beautiful visualizations. Celebrate every milestone along your journey to financial freedom.

Visual Progress Tracking

See your goals come to life with beautiful progress bars and milestone celebrations

Smart Timeline Planning

Get personalized recommendations on how much to save each month to reach your goals

Achievement Rewards

Celebrate milestones and stay motivated with achievement badges and certificates

Never overspend again

Create detailed budgets, get real-time alerts, and stay within your financial limits. Our proactive system helps you build healthy spending habits.

Smart Alerts

Get notified before you reach your budget limits, not after you've overspent

Category Insights

See exactly where your money goes with detailed spending breakdowns

Rollover Options

Carry over unused budget amounts to next month or save them for bigger goals

September Budget

Total Budget €3,200
Spent €2,450
Remaining €750
77%
Used
Groceries €450 / €500
90%
Entertainment €180 / €200
90%
Shopping €320 / €300
107%
Shopping budget exceeded! Consider cutting back this month.

Family Budget

€2,450
of €3,000
On Track 15 days left
Groceries €450 / €600
75%
Entertainment €180 / €200
90%
Utilities €320 / €300
107%
M
Maria €1,200
J
João €1,250
Great teamwork! You're 82% through your monthly budget.

Plan together, achieve together

Create joint budgets, share financial goals, and manage expenses as a team. Perfect for families, roommates, and couples building their future together.

Joint Budget Planning

Create shared budgets and track spending together as a team

Shared Financial Goals

Set and achieve financial goals together with collaborative tracking

Smart Bill Splitting

Automatically split expenses and track who owes what

Stay debt-free and financially healthy

Monitor your debts, track payment schedules, and build healthy financial habits to avoid over-indebtedness and achieve financial freedom.

Debt Health Monitoring

Track your debt-to-income ratio and overall financial health

Payment Scheduling

Never miss a payment with smart reminders and auto-scheduling

Debt Reduction Planning

Create strategies to pay off debts faster and avoid new ones

Debt Health Overview

85%
Healthy
Debt decreasing this month
Great progress! Your debt-to-income ratio is improving.

Financial Health Score

87
Excellent
Spending Habits 92
Savings Rate 95
Debt Management 88
Investment 75
Your savings rate increased by 15% this month
Consider increasing your investment allocation

Insights that drive decisions

Get deep insights into your financial health with advanced analytics, trend analysis, and personalized recommendations.

Financial Health Score

Get a comprehensive score that reflects your overall financial wellness

Trend Analysis

See how your finances are trending over time with detailed charts

Smart Recommendations

Get personalized advice on how to improve your financial health

Loved by thousands of users worldwide

See what our community has to say about their financial transformation with Budgets.

"Budgets. has transformed how I manage my personal finances. The goal tracking feature keeps me motivated, and the analytics help me make better financial decisions. I've saved $15,000 in the past year!"

Saved $15,000 in the past year
SJ
Sarah Johnson

Financial Advisor at Wealth Management Inc.

Goal Achievement

"Perfect for managing both personal and business expenses. The group expense feature is a lifesaver when working with my team on client projects. The "Can I Buy" feature has saved me from several impulse purchases."

Perfect for personal and business
MC
Michael Chen

Small Business Owner at TechStart Solutions

Business Management

"As a student on a tight budget, this app helps me stay on track and track my spending. Love the multi-currency support for my international studies! The recurring transaction feature ensures I never miss rent payments."

Never miss rent payments
ER
Emma Rodriguez

Graduate Student at University of Finance

Student Budgeting

"The analytics and reporting features are incredibly powerful. I can track my investment portfolio alongside my personal finances seamlessly. The credit management tools helped me improve my credit score by 50 points."

Improved credit score by 50 points
DK
David Kim

Investment Analyst at Global Investments

Credit Optimization

"The group expense feature is amazing for managing team lunches and client dinners. No more awkward conversations about who owes what. The space management helps me keep work and personal expenses separate."

No more awkward money conversations
LT
Lisa Thompson

Marketing Manager at Digital Marketing Co.

Team Expense Management

"As a freelancer, tracking irregular income was always a challenge. This app makes it so easy to manage multiple income streams and plan for tax season. The goal tracking keeps me motivated to save for big purchases."

Easy irregular income tracking
JW
James Wilson

Freelance Developer at Independent Contractor

Freelancer Finance

Why choose Budgets. over other apps?

We're not just another finance app. We're your personal financial AI assistant.

AI-Powered Insights

Get instant financial advice and personalized recommendations that help you make better decisions.

Bank-Level Security

Your financial data is protected with enterprise-grade encryption and security measures.

Collaborative Finance

Manage shared expenses, family budgets, and business finances all in one place.

Goal Achievement

Turn your financial dreams into reality with smart goal tracking and milestone celebrations.

Automated Tracking

Save hours every week with automatic transaction categorization and recurring expense management.

Mobile-First Design

Access your finances anywhere with our responsive design and PWA capabilities.

Frequently Asked Questions

Everything you need to know about Budgets.

Is Budgets. really free to use?

Yes! Budgets. offers a comprehensive free plan that includes all core features. You can track unlimited accounts, create budgets, set goals, and use all our AI-powered tools without any cost.

How does the "Can I Buy" feature work?

Our AI analyzes your current budget, financial goals, spending patterns, and overall financial health to give you instant advice on any purchase. It considers your income, expenses, savings goals, and risk tolerance to provide personalized recommendations.

Is my financial data secure?

Absolutely. We use bank-level encryption and security measures to protect your data. Your information is never shared with third parties, and we follow strict privacy guidelines to ensure your financial data remains confidential.

Can I use Budgets. for business expenses?

Yes! Our Space Management feature allows you to create separate financial spaces for personal, business, family, or any other financial aspect of your life. Each space has its own budgets, goals, and analytics.

How accurate are the financial insights?

Our AI-powered analytics provide highly accurate insights based on your actual financial data. The more you use the app, the better our recommendations become as we learn your spending patterns and financial goals.

Can I export my financial data?

Yes, you can export your transactions, budgets, and reports in multiple formats including CSV, PDF, and Excel. This makes it easy to share with your accountant or use in other financial tools.

Ready to transform your financial life?

Join thousands of users who have already taken control of their finances and achieved their goals

Start Your Free Trial
Benefits