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.

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.

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
$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

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.

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. If you prefer owning infrastructure, run Budgero Self-Host for free.

Prefer self-managed infrastructure? Self-Host is free forever.