BudgPal
Budgeting that stays on your phone.
BudgPal turns your bank statements into budgets, savings goals and bill tracking, without ever asking for a bank login. No accounts. No cloud. Your financial data never leaves your device unless you export it.
Understand first. Then budget.
BudgPal is built around analysing your real spending before you set targets, so your budget starts from facts instead of guesses.
Import your statements
Drop in CSV or PDF statements straight from your bank.
Analyse your habits
See where the money actually goes: category breakdowns, charts and spending patterns across any set of statements.
Build the budget
Create a budget from your real numbers, anchored to your paydays, and review it when each period ends.
Plan ahead
Set savings goals, track loans, and stress-test the future with the built-in savings and loan calculators.
Everything a budget needs. Nothing that spies.
Built for people who want to actually understand their money, not hand it to another company.
Import real bank statements
Drop in CSV or PDF statements from your bank. Categorise a merchant once and BudgPal remembers it, sorting repeat transactions automatically on every future import. Overlapping statements never double-count.
Budgets built around your paydays
Anchor a budget period to your actual paycheck, whether weekly, fortnightly or monthly, instead of forcing calendar months.
Bills & recurring payments
Save any transaction as a recurring bill. See what's due on the calendar, get reminders, and manage everything in one list.
Savings, loans & holding accounts
Track goals and debts as separate pots. BudgPal flags when you dip into savings or redraw from a loan to cover spending.
Period review
When a budget ends, see exactly where you went over or under, get a suggested budget for next period, and keep notes.
Your data is a file you own
Everything lives in a portable, optionally password-protected
.budgpal file. Move it between devices. Back it up
wherever you like.
Built for shared finances
Managing money as a household? Share a password-protected BudgPal file with your partner. They open the same budget on their phone, and updated copies replace in place.
Encrypted at every layer
The on-device database is encrypted at rest with SQLCipher, and
shared files are locked with AES-256-GCM. Without the password,
a .budgpal file is unreadable to anyone.
Business & personal, separated
Run separate budget files: one for home, one for the business. Each keeps its own transactions, categories and budgets, and you switch between them in a tap.
Reports & CSV export
Turn any budget into a shareable PDF report, or export your cleaned-up, categorised transactions as a CSV for your own spreadsheets.
A clear picture of your money.
Dashboard, budget tracking, spending breakdowns and transactions, designed to answer “am I okay?” at a glance.
Pay once. Own it.
No subscription, no recurring charges. The core stays free, and one single payment unlocks everything, forever.
Free
$0
- Import CSV & PDF bank statements
- Categorisation that learns your merchants
- Your current budget period
- Dashboard, calendar and manual transactions
Premium
One-time payment
- Everything in Free
- Savings goals & loan tracking
- Scheduled payments & reminders
- Multiple budget periods and files
- PDF reports & CSV export
- Spending insights & analysis
Privacy isn't a setting. It's the architecture.
Most budget apps sync your transactions to their servers. BudgPal simply has no servers to sync to.
- No account or sign-up. The app works entirely offline
- No bank credentials. You import statements yourself
- Database encrypted at rest on your device (SQLCipher)
- Exports locked with AES-256-GCM; keys derived with PBKDF2-SHA256 at 210,000 iterations
- Optional PIN & biometric lock
- No ads, no trackers, no analytics on your financial data