Knowledge base

Budgero Docs

Master Budgero's zero-based budgeting system. Explore practical guides that explain how ready to assign behaves, how goals accelerate savings, how multi-currency accounts sync, and how to stay secure with zero-knowledge encryption.

Step-by-step guidesZero-knowledge friendlyBudgets that scale with you

Getting started

Lay the groundwork for a secure, zero-based budget. These guides help you set up the essentials so Budgero feels tailored to your household from day one.

4 guides
Zero-based budgeting
Guide
Learn the zero-based budgeting methodology and see how Budgero's systems keep every unit of cash assigned with purpose.
  • Grasp the core principles behind zero-based budgeting and why every unit begins at zero.
  • Map Budgero features like Ready to Assign, categories, and goals to each step of the methodology.
  • Build review habits with Budgero's reconciliation and reporting tools so your plan always reflects reality.
Read the guide
Budgero Core vs Budgero Cloud
Guide
Compare Budgero’s local-only experience with the cross-device, encrypted sync platform so you can pick the edition that fits your workflow today.
  • Understand how Budgero Core’s local-only design differs from Budgero Cloud’s encrypted sync and collaboration.
  • Choose the edition that fits your device mix, team needs, and currency requirements.
  • Follow the steps to migrate from Core to Cloud when you need multi-device access or shared workspaces.
Read the guide
Budget currency
Guide
Choose the currency that anchors your budget and learn how Budgero keeps multi-currency accounts and reports in sync.
  • Know what the budget currency controls across Ready to Assign, dashboards, and reports.
  • Understand how Budgero converts multi-currency accounts using monthly exchange rates and manual fallbacks.
  • Change the budget currency confidently and learn how the recalculation behaves in cloud and desktop builds.
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Ready to assign
New
Ready to Assign is the heartbeat of Budgero's zero-based budgeting system. It shows exactly how much of your available cash still needs a job.
  • Learn where Ready to Assign appears and how to use the allocation calculator.
  • Understand the events that increase or decrease Ready to Assign automatically.
  • Master the allocation field's math operations for quick budget adjustments.
Read the guide

Budget building blocks

Learn the core mechanics of Budgero’s zero-based budgeting model, from structuring category groups to planning long-term goals.

4 guides
Category groups
Coming soon
Structure your budget around the priorities that matter most. Group recurring bills, true expenses, and savings targets into categories that match your rhythms.
  • Recommended blueprint for monthly, quarterly, and annual expenses
  • How groups and categories influence rollovers and reports
  • Creating defaults vs. building a budget from scratch

We're polishing this walkthrough. Keep an eye on the changelog to know when it drops.

Categories
Coming soon
Translate real-life jobs for your money into actionable categories with clear intentions and budgets you can check at a glance.
  • Setting targets and notes so teammates know the plan
  • When to archive vs. delete and what happens to history
  • Making room for seasonal spend without losing sight of fixed bills

We're polishing this walkthrough. Keep an eye on the changelog to know when it drops.

Goals
Coming soon
Use Budgero goals to stay accountable to future spending. Dial in amounts, timelines, and funding automation that match the way you save.
  • Goal types and when to use monthly vs. target date amounts
  • How progress bars, streaks, and reminders keep goals on track
  • Linking assignments and goals so funding is always intentional

We're polishing this walkthrough. Keep an eye on the changelog to know when it drops.

Assigning money
Coming soon
Follow the workflow for moving funds from ready to assign into the categories that need them, with tips for smoothing out cash-flow dips.
  • Keyboard shortcuts and multi-select for power users
  • Resolving overspending and reclaiming funds after returns
  • Balancing long-term goals with urgent, short-term needs

We're polishing this walkthrough. Keep an eye on the changelog to know when it drops.

Accounts & imports

Keep every account in sync and understand how Budgero treats historical data so your reports always reflect reality across currencies.

3 guides
Accounts
Coming soon
Add checking, savings, cash, credit, and investment accounts with confidence. Learn how balances, currencies, and reconciliation work together.
  • Choosing the right account types for tracking accuracy
  • Managing multi-currency budgets with live conversion rates
  • Reconciliation workflow and how to fix mismatched balances

We're polishing this walkthrough. Keep an eye on the changelog to know when it drops.

YNAB import
Coming soon
Import your YNAB data without losing momentum. Understand what comes over, how Budgero handles goals, and how onboarding changes for existing budgets.
  • Data types we import automatically vs. what stays in YNAB
  • Mapping categories, accounts, and assignments for a clean start
  • Marking onboarding complete and skipping redundant steps

We're polishing this walkthrough. Keep an eye on the changelog to know when it drops.

CSV import & export
Coming soon
Bring in transaction history from your banks or accounting system and export backups you can use for tax season or deeper analysis.
  • Formatting CSV columns so Budgero recognizes payees and notes
  • Avoiding duplicate transactions when combining with manual entry
  • Exporting filtered reports for accountants and stakeholders

We're polishing this walkthrough. Keep an eye on the changelog to know when it drops.

Collaboration & privacy

Share budgets with your household while keeping zero-knowledge promises intact. Learn how permissions and encryption safeguards your data.

4 guides
Master password
Coming soon
Understand why your master password never leaves your device and learn best practices for keeping it safe and memorable.
  • Why Budgero uses zero-knowledge encryption
  • How to create a strong passphrase that you will still remember
  • What to do if you want to rotate the master password later

We're polishing this walkthrough. Keep an eye on the changelog to know when it drops.

Sharing budgets
Coming soon
Invite partners or teammates, assign roles, and stay in sync without sacrificing control over sensitive information.
  • Role-based access and what each role can edit or approve
  • Auditing changes with activity history and notification settings
  • How encryption keys are shared securely between members

We're polishing this walkthrough. Keep an eye on the changelog to know when it drops.

Security model
Coming soon
Dig into Budgero’s end-to-end encryption design, master password safeguards, and how we keep support hands off your raw financial data.
  • How encryption keys are derived and stored locally
  • What metadata the server can see and what stays client-side
  • Steps we take to keep your data safe even if you lose a device

We're polishing this walkthrough. Keep an eye on the changelog to know when it drops.

Offline mode
Coming soon
Budget on flights or rural getaways. Understand how Budgero queues changes, resolves conflicts, and keeps ledgers consistent once you reconnect.
  • How offline edits are synced and merged automatically
  • Best practices when multiple people go offline simultaneously
  • What to expect with attachment uploads and large imports offline

We're polishing this walkthrough. Keep an eye on the changelog to know when it drops.

Integrations & API

Automate Budgero by sending encrypted transactions from other systems. Use the Push API to keep your budget up to date without manual imports.

2 guides
Push API
New
Send encrypted transactions into Budgero from any system using the Push API or the Python SDK.
  • Generate a Push API token and export your space encryption key from Settings → Integrations → Push API.
  • Encrypt a transactions.add payload with AES-GCM, Base64-encode it, and POST to /api/v1/push with a bearer token; use message_id to dedupe retries.
  • Use the Python SDK to handle encryption, message ids, and queue visibility (pending/processed/failed).
Read the guide
Email bridge (no coding)
New
Forward bank alert emails straight into Budgero via the Push API using a local Python helper—no coding background required, no bank passwords shared.
  • Install Python + VS Code, generate a Budgero Push API token and encryption key, and save them in a local .env file.
  • Use the starter bridge script to read bank alert emails, let AI craft a parser for your bank, and test safely in dry-run mode.
  • Push encrypted transactions into Budgero with the Python SDK; schedule the script to run automatically once it’s validated.
Read the guide

Have a question we haven't covered?

Email hello@budgero.com and we'll point you to the right guide or create a new one.