Budgzy
BetaPersonal finance workspace

Track spending. Split bills. Stay in control.

A private workspace for expenses, payments, budgets, and invite-only splits.

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DashboardMonthly SummaryInsightsExpense TrackerPaymentsBudgetingMaster CashflowSplit GroupsPlanned ExpensesDashboardMonthly SummaryInsightsExpense TrackerPaymentsBudgetingMaster CashflowSplit GroupsPlanned Expenses
How it works

From setup to settle-up in four steps

Budgzy keeps personal finance and shared bills in one workspace — without mixing your private data into public groups.

01

Open your workspace

Your expenses, bills, and budgets stay in a private workspace that only you can see.

02

Track daily spending

Use Expense Entry for quick logs, then browse the Expense Tracker with filters.

03

Stay ahead of bills and budgets

Manage EMIs, rent, and subscriptions on Payments. Set category budgets under Planning, and review everything in Monthly Summary and Master Cashflow.

04

Split with the people you invite

Create a typed group (trip, home, dinner, and more), set an optional budget, plan upcoming costs, invite by email, then settle with proof — no public discovery.

Everything in Budgzy

Built for real day-to-day money management

Explore the core modules — each with a focused workflow, filters, and a workspace UI designed for clarity.

Overview

Monthly summary at a glance

Open Monthly Summary for the same spend KPIs as your dashboard — plus category breakdowns, payment-method splits, and a six-month spend trend.

  • Total spend, recurring payments, daily expenses, and recurring %
  • Expense by category with budget progress where limits are set
  • Six-month spend trend for quick month-over-month checks

Daily expenses

Expense Tracker built for filtering

Log spending from Expense Entry or the dashboard, then browse everything in the Expense Tracker with the same filters you use in production.

  • Filter by billing month, category, payment method, and search
  • Desktop table and mobile cards with page totals
  • Sensitive amounts encrypted at rest

Recurring payments

Payments with clear status

Manage recurring bills on the Payments page — pending, paid, and closed — then review paid history in Payment Tracker.

  • Filter by status, bank, and payment type
  • Mark paid with date and amount, or edit status inline
  • In-app and email reminders before due dates

Planning

Category budgets that stick

Set monthly limits per expense category under Planning → Budgeting, then track spent vs budget with over-limit badges and merchant highlights.

  • Monthly limits for Food, Travel, Shopping, and more
  • KPI strip for budgeted, spent, and over-budget categories
  • Top merchants and progress that also feeds Monthly Summary

Reports

Master Cashflow ledger

Master Cashflow combines daily expenses and recurring payment activity into one searchable timeline with export to Excel or PDF.

  • Filter by month, source, category, and payment method
  • Daily Expense and Recurring Payment rows in one view
  • Duplicate check and month-end export actions

Insights

Ask plain-language money questions

Use Insights to ask Budgzy about spend patterns, savings opportunities, and upcoming projections — with preset questions and custom prompts.

  • Popular quick picks for common budgeting questions
  • Answers grounded in your workspace data for the selected month
  • Browse topics or search the question library

Split groups

Plan trips, share bills, settle cleanly

Invite flatmates or travel buddies by email. Pick a group type, set an optional budget, plan upcoming costs, then convert plans into real bills.

  • Group types — Trip, Home Sharing, Event, Restaurant, Gift, or Other
  • Optional group budget with spent and remaining from real bills
  • Plan costs ahead, convert to a bill, simplify debts, and settle with proof
Privacy & alerts

Secure by default

Encrypted financial data

Expense amounts, payment details, and sensitive text are encrypted at rest.

Payment reminders

In-app and email alerts one day before and on the due date.

Split group invites

24-hour invite links with no public group discovery.

Private workspace

Personal data stays scoped to your account unless you join a split group.

Mobile apps

Mobile Apps

Native Android and iOS apps are on the way — track spending and split bills from your phone.

Play Store

Android

Coming soon

App Store

iOS

Coming soon
FAQ

Common questions

Quick answers about privacy, insights, pricing during beta, and split groups.

Yes — Budgzy is free during beta. Track expenses, manage recurring payments, set budgets, use insights, and join split groups at no cost while we polish the experience ahead of launch.

Workspace

Ready to take charge of your money?

Expenses, recurring bills, budgets, and invite-only splits live in one private workspace.

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