Budgetify: Expense Tracker

Budgetify is a budget and expense tracker that runs entirely on your phone. No bank login, no account to create, no ads — and no internet permission at all, so your money can't leave the device. WHY PEOPLE SWITCH • No bank connection to set up, and nothing to re-authorize every few weeks. • Nothing is uploaded. The app ships without internet access, so there is no server to trust. • No ads, and your data is never sold. IMPORT YOUR BANK STATEMENT Download a statement from your bank's website and Budgetify reads it: OFX, QFX, QIF, CSV and Excel. Hundreds of US stores — Walmart, Target, Trader Joe's, Costco, Starbucks, Chipotle, Uber Eats, Shell, Verizon — are recognized by name and sorted into categories. Import the same file twice and nothing is duplicated. BUDGETS THAT WARN YOU IN TIME • One monthly budget, plus a budget per category • Alerts as a category fills up, not after it's blown • Safe-to-spend that already sets aside the bills still due this month • Roll a budget over: what you didn't spend carries into next month, and what you overspent does too, so nothing quietly disappears BILLS AND SUBSCRIPTIONS Keep every recurring payment in one place, get reminded before each is due, and see what renews this month. SEE WHERE IT WENT Spending by category, by store and by month. Trends against your own past months, a monthly review worth sharing, net worth with your own assets and debts, and savings goals. KEEP THE HABIT A tracker only works if you keep opening it. Budgetify keeps a daily streak, hands out achievements worth collecting and keeps them in a trophy room — and a long streak survives the odd missed day, because life happens. None of it costs anything. SPLIT WITH FRIENDS Track who owes whom on shared bills and settle up — nobody needs an account. YOURS TO KEEP Export everything to Excel, CSV, PDF or plain text, any time. Encrypted backups (AES-256) are locked with your own passphrase. BUDGETIFY PLUS Every premium feature is free for your first two weeks. After that, Plus is $1.49 a month, $9.99 a year, or $19.99 once — a fraction of what bank-syncing apps charge. The app itself stays free, and nothing you have already tracked is ever taken away.