444340 features in 5 areas. It's the same list the app uses: when we add one, it shows up here too.
Accounts imported from your bank statement or kept by hand, transactions with the right category, spending split into four groups, and the month's budgets.
Upload the CSV of a bank or broker we don't know: we read it in the background and remember the institution and the columns of its format. If the saved reader fails, we try again with the AI you have authorized and send a technical report to support. If the file has your bank's own category column, transactions get the matching category right away. You get an email when the import is done.
Sign in with phone and PIN, then approve in the Trade Republic app. Read your EUR cash balance and transactions, and your trades and savings plans into Investimenti, directly, without CSV files. Session credentials stay encrypted on the server; update with Sync now.
Balances and transactions straight from your bank through Open Banking, read-only. Coming soon: until then you import the bank statement, and “Keep me posted” tells you when it is ready.
For cash, prepaid cards or any bank. The balance follows the transactions you add; tap the account to correct it or change its name and icon.
If you turn it on, the assistant suggests a category for every transaction type, including payments to people and transfers. Suggestions that are at least 70% sure apply themselves and you review them in “Set by the app”; you confirm the others with a swipe, one card at a time. It uses the cleaned counterparty name, which may name a person, and your personal instructions, which you can change in Settings.
When you sign up you get 24 categories already split by type of spending: confirm them with one tap, or remove, rename or add your own.
Your rules, and categories that are at least 70% sure, apply themselves, and a new rule takes effect right away. In “Set by the app” you see what was set, with the merchant's logo, the dates and where it came from (a rule, your past choices, AI or your bank's file), and you fix it with one tap. “Recategorize” redoes the automatic categories with today's rules, with a preview and undo.
Needs, Wants, Future you and Occasional, with colors and icons you choose.
Tap a transaction to see everything: where it came from, who chose its category and why, the bank's own text, your note and how much you spent at the same merchant in the last year. With the assistant on, you can also ask the AI which category it would pick.
Put transfers in their own category: they stay visible in your transactions and are left out of income and spending.
Leave out all or part of refunds, transfers and shared expenses: pick Half, A third or an amount, and see right away how much is yours.
Budgets proposed from your own months, how much you can still spend today and where the month is heading; what you don't spend on occasional costs carries over to the next month.
Income, spending, net and savings, month by month and by category.
Finds recurring charges (streaming, gym, insurance) and you confirm them with one tap. See the cost per month and per year, the next charge and price increases. Worked out from your transactions, without AI.
Returns worked out from your own trades, a comparison with an index, risk, and taxes under the Italian rules (partly for Germany).Returns worked out from your own trades, a comparison with an index, risk, and partial estimates of German taxes.Returns worked out from your own trades, a comparison with an index, and risk.
Investments in detail →
End-of-day prices from free sources with automatic fallback, ECB exchange rates.
Record buys and sells or import your broker's files: Interactive Brokers, DEGIRO, Trade Republic, Fineco, Yahoo Finance or another CSV. Several brokers live in the same portfolio and each import is managed on its own. If you allow AI recovery, read errors start a new analysis automatically, with the financial checks kept in place.
TWR, MWR and returns after inflation in the product's country (Italy or Germany, Eurostat index), with explanations on hover. The figures follow the chart date; drag to pick a range, also for risk and monthly returns. It also shows what you'd have if costs and taxes had stayed invested.
“With the same contributions you'd have X today instead of Y.” Quick picks for the S&P 500, MSCI World, FTSE All-World and Nasdaq-100 through accumulating ETFs, or search for another instrument.
A clear risk level (from low to very high), then how much the portfolio swings, the worst drop, whether the risk paid off and how closely it follows the index.
By region and sector, looking inside the ETFs.
With a suggestion of where to put your next contribution.
Income received and expected over the next 12 months, month by month and by instrument, with gross, withholding tax and net.
Essential localization in English and German: portfolio, income and 2026 tax estimates in EUR, with explicit limits. Analytics works as everywhere else, without German taxes. Pension and AVD (a German private pension product) are hidden until they have been reviewed.
Capital gains and losses, the zainetto fiscale (four-year tax-loss carryforward), government bonds, crypto and bollo (stamp duty).
Works out the taxes again with the extra sale, before you make it.
A page for each security, opened from your holdings or by search, with a chart of your purchases, risk, a watchlist and price alerts by email.
For every stock: P/E, P/S, P/B, revenue and earnings per share, margins, ROE and debt calculated from the financial statements, with the range of recent years and the calculation under each number. For ETFs: holdings, sectors, what the TER costs you and the securities you already hold elsewhere.
Mortgages and loans with the payment schedule, the APR and what an early repayment would change.
Loan calculator →
From the start or from a snapshot of today, with the amortization schedule.
From principal, payment, number of payments or rate it works out the one that's missing, with the APR (TAEG).
Lower payment or shorter term, with the penalty, the interest saved and a monthly extra.
Inside each loan: how much you save by paying more, paying off part of it or moving to another bank. In the overview, the path to getting out of debt sooner.
The whole picture: net worth day by day, the pension fund and the year you could stop working.The whole picture: net worth day by day and your savings goals.
Cash, investments and pension, with debts already subtracted, and the history rebuilt. Show or hide items from the legend and the total updates.
Pension fund and TFR (Italian severance pay): real return, what you'd take home if you withdrew today after tax, and an estimate of what it will be worth. Enter the history by hand or import it from CSV or Excel.
The year you could stop working, with four “what if…” sliders for savings, spending, return and withdrawal; the first three start from your data for the last 12 or 24 months, or the months you choose. For those who want more: the FIRE number after tax, Monte Carlo simulations and withdrawal rules.
A trip, a house deposit, an emergency fund: choose how much you need, by when, and which accounts or investments the money comes from. The month's savings go to your goals in the order you choose; see when you'll reach each one, whether your savings cover everything and how much each goal moves the year you could stop working. Email reminders at the start of the month, if you want them.
Sign-in without a password, your data exported whenever you like, and an app you can install on your phone.
Install BuddyBudget on your own computer or server with one guided command. Use it just for yourself on this computer, with no sign-in, or on a server with accounts. Add your own keys for AI, email and prices, or skip them: Yahoo prices work without a key. Settings shows what is set up, and uninstalling keeps your data unless you choose to delete everything.
Starting without a bank? The Overview shows four steps that tick themselves off (account, transactions, investment, goal), and you can try the app with sample data that resets with one tap.
Find a transaction, an account, a security, a subscription or a setting from any page, with the merchant's logo: ⌘K on a computer, pull the page down on the phone. Type “bought 3 Apple at 50 € today” and the form opens already filled in; ask “how much did I spend on Netflix in 2026?”, “balance” or “next instalment” and the answer comes from your data, with a link to the transactions it adds up. In Italian, English or German. For a sentence it cannot read, you can ask the AI with one tap: it only gets the sentence, never your figures.
When you come back, a quiet notice tells you what happened while you were away (new transactions, price alerts that went off, subscriptions that went up) and what to sort out: transactions without a category, subscriptions to confirm, imports to check. One tap and you are there.
Open the app with the data of a sample account, for Italy or Germany, in Italian, English or German, without signing up: look at everything, nothing is saved.
Export everything as a ZIP, or reset or delete your account with 30 days to change your mind.
If you want, get a summary of the month or the week, with what you spent, what came in, investment gains and dividends in a few lines, and an alert when a budget is nearly used up or a payment is about to fall due. You choose them when you first sign in, they start switched off and each one turns off with one click.
The Italy product in Italian and English; the Germany product in German and English; everywhere else, everything that doesn't depend on local rules, in any of the three. You start in your country's language (English outside Italy and the German-speaking countries) and change it whenever you like. Selectable currencies. For Germany: portfolio and income, partial 2026 tax estimates with explicit limits; pension on hold until review. In other countries the pension stays in the menu marked «Coming soon» and taxes are not estimated: income and Analytics work on your own figures, before tax. Unsupported cases are flagged, without applying Italian rules.
Alerts on your phone, for example about prices.
Import your bank statement or add an account by hand, and see the whole picture in a few minutes. Try the demo