All your accounts together
Connect your banks and cards securely through Plaid or Flinks, or import statements. Balances, transactions and net worth stay up to date on their own.
Android · iPhone · WindowsYour money,
Your money,
finally in one place.
BudgetBuddy brings all your bank accounts together, sorts every transaction, keeps your budget on track and plans what's coming. Ask its AI assistant anything about your money.
Canadian banks & cards
AI money assistant
bill & budget alerts
read-only, app lock
Features
Everything a budget app should be
From the first account you connect to the goal you finally hit, BudgetBuddy does the bookkeeping so you can make the decisions.
Every transaction sorted
Categories you can rename or create, rules that file new transactions for you, tags, notes, receipts and splits - plus a review inbox for anything new.
Budget your way
Simple limits per category, zero-based, envelopes or flex budgeting - with rollover, alerts before you overspend and a safe-to-spend number for today.
See what's coming
A calendar of upcoming bills and paydays and a forecast of your balance for the next 90 days, so a low week never takes you by surprise.
Goals that actually happen
Savings goals with dates and a monthly target, sinking funds for yearly costs, round-ups, and a debt payoff planner comparing snowball and avalanche.
Know where it all goes
Monthly recaps, trends by category and merchant, a cash-flow diagram, net worth history and a financial health score with tips to improve it.
Subscriptions under control
Every recurring charge in one list with yearly totals, reminders before renewals and free trials end, and an alert when a price goes up.
Money with others
Share a household view with your partner, and split bills with friends - BudgetBuddy keeps track of who owes whom.
Stay motivated
Saving challenges and under-budget streaks that earn points, home-screen widgets and notifications that tell you what matters.
AI built in
An assistant that knows your money
Not a chatbot guessing - it reads your own accounts, budgets and bills to answer, and does the tedious parts for you.
Ask anything
"How much did I spend on takeout this month?" The assistant looks it up in your real data and answers with the numbers.
Auto-categorize
New and uncategorized transactions get sorted into your own categories, with messy bank text turned into clean merchant names.
Scan receipts
Snap a receipt and BudgetBuddy reads the total, date and items, then matches it to the right transaction.
Can I afford it?
Check a purchase against your safe-to-spend, upcoming bills and goals before you buy.
A budget built for you
Get a monthly budget proposed from how you actually spend, shaped around a goal you describe.
Monthly recaps
A short, honest write-up of your month: what changed, what went well and what to try next.
Unusual charges explained
Duplicate charges, price jumps and out-of-pattern spending get flagged - with what to check.
Negotiate and cancel
Ready-to-use scripts and emails for lowering a bill or cancelling a subscription, plus an audit of what to keep.
Why did I spend more this month?
You spent $412 more than last month. Most of it is a one-off $1,299 Best Buy purchase - without it you're actually $887 under. Food & Drink is up $96, mostly Uber Eats (7 orders vs 3).
Budgets
Know what's safe to spend today.
BudgetBuddy takes this month's income, subtracts the bills still to come and what you've set aside for goals, and tells you what's left - per day. Overspend in one category and you'll know before it becomes a problem.
Planning
No more surprise bills.
Rent, subscriptions, card payments and paydays land on one calendar. The forecast shows your balance day by day for the next three months and warns you before it dips too low.
Receipts
Snap it. Done.
Take a photo of a receipt and BudgetBuddy fills in the merchant, date, total and category, then attaches it to the matching transaction - or adds a cash purchase for you.
Get BudgetBuddy
On Android, iPhone, iPad and Windows.
FAQ
Questions, answered
Is BudgetBuddy free?
It's free to download and use. BudgetBuddy Premium unlocks connecting banks, importing statements and the AI features. On the free plan you can earn extra bank syncs by watching a short ad.
Is it safe to connect my bank?
Bank connections go through Plaid or Flinks, which are used by thousands of finance apps. You sign in to your bank with them directly - BudgetBuddy never sees or stores your online banking password, and it can only read your accounts, never move money.
Which banks and countries are supported?
Banks and credit unions across Canada, through Plaid and Flinks. If yours isn't supported - or you bank somewhere else - add it as a manual bank and import CSV or PDF statements instead.
How do the AI features work?
When you use an AI feature, the details it needs to answer (for example the relevant transactions, budgets or the receipt photo) are sent to Anthropic's Claude to write the answer. Your name, email and bank login details are never sent, and the data isn't used to train AI models. See the privacy policy for the details.
Which devices does it run on?
Android, iPhone and iPad, and Windows PCs. Your data syncs between all of them through your account.
Can I use more than one currency?
Yes. Pick your main currency and accounts in other currencies are converted using daily exchange rates.
How do I get my data out, or delete it?
Export your transactions and budgets to CSV (or everything as JSON) from the app at any time. Deleting your account in Settings removes it and all its data from our servers straight away.