Where the money goes, without typing a thing.
€2,164
spent so far in October · 5 transactions to decide, the app sorted the rest
Upload your bank statement. The app sorts the transactions into four groups and only asks you when it isn't sure.
All your money, in one number.
Bank accounts, investments, pension and mortgage, added up. Updated every day, with the taxes worked out.Bank accounts, investments and mortgage, added up. Updated every day, with the taxes worked out.Bank accounts, investments and mortgage, added up. Updated every day.
Four places, one number.Three places, one number.
Upload the statement. The app reads it.
A CSV or Excel file from any bank, even in a new format, already categorized. A direct, read-only connection to your bank is coming soon.
CSV and Excel from any bank · your bank's categories, when the file has them · Open Banking (PSD2) connection coming soon
Upload the export. The app reads the trades.
What you bought, at what price, and what it's worth today. Several brokers in one portfolio.
Interactive Brokers
any CSVInteractive Brokers, DEGIRO, Trade Republic, Fineco, Yahoo Finance or any CSV · no access to your brokerage account · end-of-day prices, ECB exchange rates
Two numbers from your statement. Whenever you like.
What you've paid in and what it's worth. The app works out the rest, including a comparison with TFR (Italian severance pay).
Italy only for now · snapshots by hand or from CSV and Excel · yearly return and return on contributions · net estimate if you withdraw today
Amount, rate and term. Just once.
The schedule payment by payment, the next due dates and what changes if you pay more.
Standard amortization, APR (TAEG), monthly extras, partial early repayment, refinancing · from three of principal, payment, number of payments and rate it works out the fourth
Net worth€29,129.53€18,047.00
Type your own amounts: the sum redoes itself and nothing leaves this page.
Pension fund with your country's rules is coming soon.
Taxes and pension fund with your country's rules are coming soon.
What it tells you, every day.
How much can you still spend this month?
€646
to spend until the end of the month · about €65 a day
The app suggests your budgets from your own months. See what's left, how much a day and where you'll land at this pace; for occasional costs, what's left carries over to the coming months.
What you've really earned.
+1.4%
over three months, contributions left out · low risk
Leaving out the money you put in yourself. Compared with the market and with inflation, and with the risk in one word.
All about investments
Is it worth paying off the mortgage early?
3 years 2 months
sooner, with €200 more a month · €1,708 of interest saved
Type how much more you can pay each month. See when you'd finish and how much interest you'd save. Extra money goes first to the debt that costs the most.
Try the loan calculator
When you can stop working.
2046
in 19.2 years, at today's pace
It starts from what you really save and spend, not from a guess. Move a slider and the year moves.
The net, before you sell.
With the Italian rules: 26% on gains, 12.5% on government bonds, past losses that lower the bill, stamp duty. The app estimates it before you sell; your broker does the final sum.
€19,772.18
€19,625.25
What the app does with your data
It reads your accounts to show you the numbers. It can't move money or make payments.
Everything about security, with sourcesYour bank password stays with your bank.
With Open Banking you type it only on your bank's site. For the direct Trade Republic connection, enter phone and PIN in BuddyBudget and approve in the app; we retain only the encrypted session.
Read-onlyRevocablePSD2, art. 67
Your data stays in Germany.
Encrypted connections; transaction descriptions and notes are encrypted in the database too. Backups in the EU, kept for 14 days.
Servers in GermanyBackups in the EUAES-256
No ads. Your data is not for sale.
Usage statistics are anonymous and cookie-free, on our own servers.
Cookie-freeAnonymousOur own servers
Take everything with you, any time.
A ZIP file with all your data, or delete your account: right away, or with 30 days to change your mind.
ZIPJSON and CSV30 days
What we can't promise.
The server reads your data to do the maths, so whoever runs the service could see it. It's a small project: no certification and no external audits; the open code is how you check.
No ISO 27001Open code
The code is open.
The whole app is public, under the AGPL-3.0 license. You can read how it handles your data, report a problem or run it on your own server with Docker.
One person builds it, in Turin, Italy. Write to [email protected] and you'll hear back from them.
$ git clone https://github.com/YonderUrik/buddy-budget.git
$ cd buddy-budget
$ ./scripts/selfhost-init.sh
$ docker compose up -dBefore you sign up.
Is it free?
Yes, during the beta. If that changes we'll say so first, and you can take everything with you in a ZIP file.
Which countries and languages?
Italy in Italian and English, Germany in German and English, every other country in any of the three. You pick the currency. Italy has every feature. Germany has partial 2026 tax estimates, with the limits written out; the pension comes after a review. Other countries get everything except pension and taxes. This site describes the product for Italy.
Does it connect to my bank?
Trade Republic supports a direct connection for EUR cash balances and transactions, with phone/PIN sign-in and app approval. Open Banking for other banks is coming soon. You can also upload CSV or Excel statements, or add accounts by hand.
Are the taxes real?
They are estimates. For Italy: 26% on gains, 12.5% on government bonds, losses carried forward for four years (the zainetto fiscale) and stamp duty (bollo). For Germany, partial 2026 estimates. They are for making decisions; the final figure comes from your bank, your broker or your accountant.
What doesn't it do?
It doesn't tell you what to buy or sell. It doesn't move money or place orders with your broker. Prices are end-of-day, not real time.
Where is my data?
On a server in Germany, with encrypted connections, and transaction descriptions and notes encrypted in the database too. We don't sell data and there are no ads. Download everything as a ZIP or delete your account whenever you like.
Does it work on my phone?
Yes, in the browser. You can add it to your home screen like an app. It isn't in the app stores.
Can I run it on my own server?
Yes. The code is open source (AGPL-3.0) and there is a Docker Compose file with the app, the database and the scheduled jobs. You sign in with email and password, no mail server needed. The self-hosting guide is in the repository.
Your number, from tomorrow morning.
Want to look first? The demo is Giulia's account, no sign-up needed. Try the demo