Budgeting that adapts to you
Plan your monthly budget, track what actually happens, and adjust as life changes. Budgetum is a simple budget planner and expense tracker that helps you understand your money without pressure, rigid rules, or judgment.
Ask Budgetum Assistant (ChatGPT)
Month start
Not your typical budgeting app
Most budgeting apps enforce a method. Budgetum helps you understand your money and choose what works for you.
"You failed your budget!"
"You spent $50 more on dining. Here's what happened."
Forces envelope budgeting
Supports any approach you prefer
Requires account linking
100% offline, data stays on device
Essential features locked behind subscription
Core features free, Pro adds extras
Prescriptive financial advice
Shows what changed and why, then lets you decide
Budget your way, understand every month
Start simple, add detail when it helps, and keep full control of how you plan and track.
Plan Your Way
Use zero-based, envelope, 50/30/20, or your own approach.
Flexible Categories
Use real-life categories like groceries, diapers, or detergents. Rename and reshape anytime.
Budget Planning
Set monthly targets, adapt mid-month, and carry your structure forward instead of restarting.
Recurring Transactions
Add regular bills, subscriptions, and income once, then let Budgetum handle the repeats.
Track Everything
Keep it simple day to day, then go deeper only when you need more detail.
Multiple Accounts
Track cash, cards, and bank accounts separately so your available money stays clear.
Receipts
Split one receipt into items so your categories reflect what you actually bought.
Calendar View
Review spending by day to quickly understand when and where money moved.
Understand Your Money
Spot patterns and trends without lectures, pressure, or guilt.
Analytics & Insights
Clear charts and reports help you notice patterns and see where your money goes.
Tags
Add context across categories for projects, trips, routines, or any custom workflow.
Contacts
Track spending by store or person to understand where your money goes over time.
A quick look inside
A clean, intuitive interface that helps you focus on what matters.
Budget Overview
See your budget and progress at a glance
A tool, not a teacher
Most budgeting apps try to teach you a “correct” way to manage money. They push rigid systems and treat real life as a mistake.
Budgetum is built differently: understand first, rules second. Plan your way, track what happens, and adapt without pressure.
“Understanding your money is more important than following rules.”
BudgetUM—The UM stands for Uplift Myself. Because managing your finances should lift you up, not weigh you down.
Understanding Over Judgment
Overspending is information, not failure. Budgetum shows what happened so you can respond calmly.
Flexible Over Rigid
Use zero-based, envelope, loose planning, or simple tracking. Different methods are all valid.
Offline and Privacy First
Your data stays on your device. No account required, no tracking, no selling your financial data.
Practical, Not Ideological
Budgetum is a tool, not a teacher. It helps you see your numbers clearly and choose what to do next.
What people are saying
See what our users are saying on the App Store
A breath of fresh air
“Other apps are bloated and gate features behind subscriptions. Budgetum is simple and does everything I need, while being free. I hope it stays that way.”
Great budget app!
“Have enjoyed using Budgetum. I have accounts with different banks and this app helps to give me a snapshot of everything all at once. Easy to use and set up!”
Great Budgeting App
“Started to take budgeting seriously this year and so far I've been loving this app. Very easy to use. Thanks for making this free!!”
Frequently asked questions
Everything you need to know about Budgetum.
Need help with Budgetum? Just ask.
Skip searching through docs. Ask in plain language and get clear answers on setup, features, and workflows.
Download the free budget planner app
Budgetum is a simple budget planner and expense tracker for iOS and Android. No account required, works fully offline, and keeps your data on your device.