BudgetZen

BudgetZen is the world's most private personal finance app — powered by on-device AI, beautifully designed, and built to transform your relationship with money. All analysis happens directly on your device. Your financial data is never sent to any server. No account required. No cloud. No tracking. Ever. ────────────────────────────────────── 🧠 YOUR PERSONAL AI FINANCIAL COACH ────────────────────────────────────── BudgetZen's on-device AI analyzes your spending habits and delivers personalized insights — daily for Premium users, weekly for free users — without ever leaving your phone. - Detects unusual spending spikes automatically - Identifies hidden recurring transactions - Predicts your end-of-month balance in real time - Spots categories growing faster than usual - Celebrates your financial wins ───────────────────────── ⚖️ ZERO-BASED BUDGETING MODE ───────────────────────── Give every euro a job before you spend it. BudgetZen's new Zero-Based mode lets you allocate your entire income to categories at the start of each month — with a live counter that hits zero when your plan is perfectly balanced. Auto-distribute with the 50/30/20 rule in one tap. ────────────────── 📋 Classic Budget Mode ────────────────── Track as you go. On-device AI analyzes your spending habits, detects unusual spikes, identifies hidden subscriptions, and predicts your end-of-month balance. Perfect for everyday use. ────────────────────────────────────── 🏆 ZEN SCORE — YOUR FINANCIAL HEALTH ────────────────────────────────────── Your personal financial health score, calculated 100% locally: - Budget compliance · Daily tracking streak - Savings rate · Category diversity Earn 20 badges as you progress from Beginner to Zen Master. ────────────────────────────────────── 📊 POWERFUL PREMIUM CHARTS ────────────────────────────────────── - Pie chart — spending breakdown by category - Line chart — 30-day balance evolution - Dual bar — income vs. expenses over 6 months - Bar chart — 7-day transaction activity ─────────────────────────────── 🏦 IMPORT YOUR BANK STATEMENTS (NEW) ─────────────────────────────── No bank sync needed. Export a CSV from your bank app and import it directly into BudgetZen. Categories are suggested automatically. Everything stays on your device. ──────────────────── 🚀 EVERYTHING YOU GET ──────────────────── ✓ Unlimited transactions & budgets — always free ✓ On-device AI insights & spending predictions ✓ Zero-based budgeting mode ✓ Zen Score with 20 achievement badges ✓ Project simulator: home, car, travel, savings ✓ Weekly Financial Coach notification ✓ CSV bank statement import ✓ Advanced analytics with 4 chart types ✓ Recurring transaction reminders ✓ Multi-currency (60+ currencies) ✓ 10 languages: English, French, German, Spanish, Italian, Portuguese, Japanese, Arabic, Korean, Turkish. ✓ Light & dark theme ✓ AES encrypted local storage ✓ No account, no sign-up, no email required ────────────────────── 🔒 PRIVACY FIRST. ALWAYS. ────────────────────── BudgetZen is engineered around one principle: your financial data belongs to you, and only you. Stored locally. Encrypted on-device. Never transmitted. No ads. No data selling. No tracking. The lock icon is always visible — tap it anytime to verify. ───────────────────── 👑 BUDGETZEN PREMIUM ───────────────────── Unlock the full experience: - Daily AI insights (vs. weekly in free) - Advanced charts: line & dual-bar - Automated monthly PDF report - Unlimited financial projects - Enhanced Weekly Financial Coach - All 20 achievement badges Monthly · Annual · Lifetime — cancel anytime, no commitment. BudgetZen is your financial coach — powerful, private, and always with you.