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Budgero

Private Budgeting Without Bank Connections·budgero.app

Budgero is a zero-based budgeting application that uses zero-knowledge, client-side encryption so no one but the user can read their financial data. It offers manual-first budgeting with rule-based automation, multi-currency support, YNAB/CSV import, and offline use with automatic sync. Users can subscribe to a managed Cloud plan for encrypted sync and collaboration, or self-host the full application for free on their own infrastructure.

What it's for

Zero-based budgeting and expense trackingSwitching from YNAB via direct importImporting bank transactions via CSV instead of bank connectionsMulti-currency budgeting with live exchange ratesSelf-hosting a private budgeting stack on personal infrastructureBudgeting offline with automatic sync when back onlineCollaborative household budgeting via shared workspaces

Features 19

Analytics engine with custom dashboards
Bulk payee management
Category memory for payees
CSV bundle export
CSV import from banks and budgeting tools
Encrypted sync across unlimited devices
Local LLM integration
Multi-currency accounts with live exchange rates
Offline transaction entry with automatic sync
PBKDF2-HMAC-SHA256 key derivation (600,000 iterations)
Rule-based transaction automation
Scenario planner for financial stress-testing
Self-hosting via Docker or native binaries
Shared workspaces / collaboration
SQLite backup export
Update notifications for self-hosted servers
YNAB import
Zero-based budgeting methodology with 'Ready to Assign' tracking
Zero-knowledge, client-side AES-256-GCM encryption

At a glance

free tierfree trialself-hostableAPI

TypeWeb app

DeploymentHybrid

PlatformsWeb, Windows, macOS, Linux, iOS, Android

CompanyBudgero

Integrations

YNAB

Resources

Pricing

Cloud yearly plan is advertised as 'Save $20' versus monthly billing; earned discount codes remain valid for 7 days after the trial ends.

Budgero Self-HostFree

Requires self-hosting on own infrastructure (Docker); free forever.

Full Budgero stack on your own infrastructure; no subscription fees

Budgero Cloud (monthly)$7.99/mo

35-day free trial included, no credit card required.

5 seats per subscription

Budgero Cloud (yearly)$5/mo · billed annually

Equivalent to $5 per month; eligible for 10-35% habit-based discounts applied for two years.

5 seats per subscription; advertised as 'Save $20' vs monthly billing

Foundation tier: 10% off the annual plan for logging transactions on 7 of the first 10 days; applies for 2 years.