In action
Seamless imports in seconds
Drop in your YNAB or CSV files and Budgero maps everything automatically. Review, confirm, and keep moving—no manual cleanup required.
Private budgeting without bank connections.
Manual-first tracking with rule-based automation.
No Plaid. No bank connections. 14-day trial, no card.
Looking for a free YNAB alternative? Compare Budgero vs YNAB.
Start with Cloud, keep full control
Begin with a 14-day trial to get encrypted sync, shared workspaces, and native multi-currency from day one.
You can self-host Budgero for free when you want full infrastructure ownership.
Need help choosing? Explore Budgero Self-Host.
Self-Host
Free
Free
Full Budgero stack on your own infrastructure.
- Run Budgero on your own infrastructure
- Encrypted sync and collaboration included
- Seamless multi-currency with live rates
- YNAB & CSV import
- Local LLM integration
- No subscription fees
Cloud • Recommended
Flexible
$9.99
/month- Encrypted sync across unlimited devices
- Shared workspaces and collaboration
- Seamless multi-currency with live rates
- YNAB & CSV import
- Local LLM integration
- 14-day free trial - no credit card required
Your Data is Truly Private
In most finance apps, your raw data sits on someone else's servers where employees or third parties could access it. Budgero flips that model: everything is encrypted on your device before it ever leaves. We literally cannot read, mine, or sell your transactions.
We Can't See Your Data
Your password encrypts everything before it reaches our servers. We never see your balances, categories, or transactions — period.
Open Source Promise
If we ever vanish, the code is released so you can keep running Budgero yourself. You'll always be able to open, export, or migrate your budgets.
Bank-Level Security
AES-256-GCM with PBKDF2-HMAC-SHA256 key derivation (600,000 iterations) protects your data using battle-tested cryptography in your browser.
Features You'll Love
Peek behind the curtain at how Budgero feels in motion. These quick clips showcase the polished workflows that make budgeting actually enjoyable.
Real Users, Real Budgets
What Budgero Users Are Saying
People who switched from YNAB and other tools share their experience.
I used YNAB for years and love zero-based budgeting. Budgero nails the same methodology with a design I actually enjoy using. I keep coming back because I'm a budget geek. The SQL Explorer is a dream if you have a technical background.
D
Developer & self-described budget geekSwitched from YNAB
Ex-YNABI started with YNAB and then tried a bunch of different tools over the past year. Budgero is the closest to perfect for my use case while also matching what I want visually. Transaction entry is fast, the savings goals with sub-sections are exactly what I need, and the whole experience just feels right.
S
Savings-focused budgeterTried 5+ apps before Budgero
Ex-YNABThe app is really advanced in both functionality and UI. I was impressed by how polished the whole experience feels. This is a serious budgeting tool with a design that competes with anything on the market.
B
Personal finance enthusiastEvaluated multiple budgeting tools
The latest update made a noticeable difference. Animations are smoother, everything feels faster. Nice to see a budgeting tool where the developer actually cares about performance.
M
Long-time Budgero userSelf-hosted
168
Currencies supported
100%
Zero-knowledge encrypted
$9.99
/mo for Cloud
0
Third parties see your data
FAQ
Ready to try Budgero Cloud?
Start your 14-day trial in minutes. If you prefer owning infrastructure, run Budgero Self-Host for free.
Prefer self-managed infrastructure? Self-Host is free forever.