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 Core vs YNAB.

Budgero on mobile

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.

Core and Self-Host stay available if you prefer local-first or your own infrastructure.

Need help choosing? Read the Budgero Core vs Budgero Cloud guide.

Core
Free
Free
Runs locally in your browser. Great for individuals and quick budgets.
  • Local-first: no account required
  • Encrypted with your master password on your device
  • One budget space, single currency, no sync
  • Export any time — upgrade later with ease
  • YNAB & CSV import
  • Local LLM integration
Cloud • Recommended
Flexible
$4.99
/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

Prefer to run your own server? Budgero Self-Host is Free

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 Argon2id key derivation shields your data from attackers. The same cryptography banks rely on, now 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.

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.

FAQ

Ready to try Budgero Cloud?

Start your 14-day trial in minutes. Keep Core and Self-Host as backup paths whenever you need them.

Prefer local-only?