// budgeting software
Budgeting software that replaces five apps
BudgetSmart is budgeting software built around one idea: your whole financial life in one place. Instead of a budget app plus a subscription tracker plus a debt calculator plus an investment spreadsheet, you get budgets and a real-time safe-to-spend number, savings goals, debt payoff planning, investing, a true net worth, and full tax intelligence — in one fast, keyboard-friendly desktop app.
What sets it apart from other budgeting software
- Statement import that thinks. Drop in a CSV, OFX/QFX or QIF export from any bank — BudgetSmart auto-categorizes from your own history, catches duplicates, and matches refunds so your trends stay honest.
- Local-first privacy. Your financial data lives on your device, not our servers. No bank passwords required, works offline.
- Forecasting, not just tracking. A 90-day cashflow projection, payday-paced daily allowance, sinking funds for annual bills, and alerts when a subscription quietly raises its price.
- Tax intelligence. Federal liability projection, quarterly estimates, withholding checks, capital-gains modeling and a deduction finder — the stuff people pay advisors for.
- Family plans for up to 5. Shared wallets, chores that pay allowance automatically, and purchase approvals.
How the pricing compares
| Software | Free tier | Paid from |
|---|---|---|
| BudgetSmart | Yes — free forever | $5/mo or $44.99/yr |
| YNAB | Trial only | ~$15/mo |
| Monarch Money | Trial only | ~$14.99/mo |
| Quicken | No | ~$5.99/mo |
BudgetSmart's Base tier is genuinely free — manual budgets, goals, debt tracking and CSV export forever. Paid tiers start at $5/month and top out at $13/month for the full tax-and-AI suite. Family plans cover five people from $12.99/month.
Available now
Windows installer, Linux (AppImage, deb, and a signed apt repository — sudo apt install budgetsmart) and Android APK. macOS and iOS are on the way. Interface available in 9 languages.