Why I Created Budgero

I’ve always believed that budgeting is about more than numbers. It’s about control, awareness, and trust. But the tools I tried over the years didn’t align with those values.

Most budgeting apps wanted my bank credentials, stored my data in the cloud in plaintext, or locked me into a system I didn’t fully trust. I realized that if I wanted a tool that respected both my money and my privacy, I’d have to build it myself.

That’s how Budgero was born.

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The Problem With Existing Tools

Every app I tried seemed to force a trade-off:

• Spreadsheets gave me control, but were clunky and error-prone.
• Popular budgeting apps automated everything, but that meant handing over access to my most sensitive financial data.
• Multi-currency support was either missing or bolted on. As someone who deals in different currencies, this was a huge gap.

And then there was the pricing paradox. When I paid for YNAB, I was charged the same subscription price as users in the US and EU. But unlike them, I didn’t get bank syncing because it wasn’t available in my region. In other words, I was paying the full price for a reduced feature set. That never sat right with me. If I’m paying premium, I should get premium features — and if the features aren’t available, the product should still deliver equivalent value in other ways.

Budgero was my attempt to solve this: no hidden regional gaps, no “full price for half the features.” Everyone gets the same product, with privacy and multi-currency support built-in from the start.

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The Philosophy Behind Budgero

Budgero is built on a few guiding principles:

1. Privacy first.
   Your financial data is encrypted end-to-end. Only you can decrypt it. Not me, not the servers, not anyone else.

2. Offline-first, online when you need it.
   Budgero works without internet access. When you go back online, your changes sync in real time across devices.

3. Intentional budgeting.
   I chose zero-based budgeting because it forces you to give every dollar a job. That act of mindfulness is what builds better money habits.

4. Multi-currency by design.
   Budgero automatically handles conversions so you can budget in the currencies you actually use — whether you’re an expat, digital nomad, or just shop internationally.

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Nights, Weekends, and Countless Iterations

I built Budgero while working full-time, spending late nights and weekends shaping it into something real. It wasn’t easy — there were moments of doubt, and plenty of bugs squashed along the way.

But every time I thought about why I started, I kept going: I wanted a budgeting tool that treated privacy as a right, not a feature.

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Building With the Community

Budgero is still young, and that’s why I’m opening it up to beta testers. The plan is simple:

• You test, explore, and give feedback.
• I keep polishing the product based on your experience.
• In return, engaged testers get lifetime access as a thank-you.

This way Budgero grows with its community — not in spite of it.

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Looking Ahead

I didn’t build Budgero to be just another budgeting app. I built it to prove that we can have tools that are powerful, user-friendly, and private by default.

If you’ve ever felt uneasy connecting your bank accounts to an app, frustrated by juggling multiple currencies, or annoyed by paying the same as others for fewer features — Budgero is for you.

This is just the beginning — and I can’t wait to see where it goes next.

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👉 Try the demo or join the beta.
Let’s build a better, more private way to budget — together.