Budgetify: Offline Budget App

Budgetify is an offline budget app 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 financial data 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 has no internet access, so there is no server to trust
• No ads, and your data is never sold
• Keep your books in US, Canadian, Australian or New Zealand dollars, or British pounds

Import your bank statements
Download a statement from your bank's website and Budgetify reads it: OFX, QFX, QIF, CSV or Excel. Hundreds of stores across the US, UK, Canada, Australia and New Zealand are recognized by name and sorted into categories, from Walmart and Costco to Tesco, Woolworths and Tim Hortons. Import the same file twice and nothing is duplicated. Prefer to log as you go? Adding a purchase by hand takes a few taps, so it works as a simple money tracker too.

A budget planner that warns you in time
• One monthly budget, plus category budgets that can be weekly, monthly or yearly (Plus)
• Alerts as a category fills up, not after it's blown (Plus)
• Safe-to-spend: what you can spend per day, with the bills still due this month already set aside
• Rollover budgets: what you didn't spend carries into next month, and so does what you overspent, so nothing quietly disappears (Plus)

Bill tracker and subscriptions
• Every bill and subscription in one list, so you can see what renews this month
• Bill reminders you can mark paid or skip straight from the notification (Plus)

Spending tracker and insights
• Spending by category, by store and by month, with trends against your own past months
• A financial health score from 0 to 100, and a money coach that tells you when a category is running hot
• Net worth from your own assets and debts, and savings goals that show what to set aside each month
• A home-screen widget with this month's spending at a glance
• A Monthly Wrapped worth sharing, which shows percentages but never amounts, and Crowned, your year in review, from 15 December

Keep the habit
A budget app only works if you keep opening it. Budgetify keeps a daily streak that survives the odd missed day, because life happens. You earn 60+ trophies for your trophy room, and long streaks unlock themes and royal avatars. Streaks and trophies cost nothing.

Split with friends
Track who owes whom on shared bills and settle up. Nobody needs an account.

Private and yours to keep
• No internet permission, which you can verify in the app's permissions on Google Play
• App lock with fingerprint or face unlock, and Privacy Mode to hide every amount with one tap
• Export everything to Excel, CSV, PDF or plain text, any time
• AES-256 encrypted backups locked with your own passphrase, kept on your phone or saved to Google Drive by the Drive app, so Budgetify itself stays offline

Budgetify Plus
Every Plus feature is free for your first two weeks. Plus adds category budgets and their alerts, rollover budgets, bill reminders, AI spending forecasts, and one-tap tagging for every past and future purchase, for a fraction of what bank-syncing apps charge. The app itself stays free, and nothing you have already tracked is ever taken away.

Whether you want a simple expense tracker, a monthly budget tracker or a private money manager that works offline, Budgetify is the budgeting app that never needs a bank login.

Recent changes:
• Category budgets can be yearly, starting in the month you pick: April for the financial year, or when a policy renews.
• Back up to Google Drive. The Drive app uploads your encrypted backup, so Budgetify stays offline. Home reminds you after 30 days without one.
• Restoring a backup keeps the names you gave payees, like "Landlord".
• SBI's MDR charges notice is no longer logged as a ₹2,000 debit.
• Exports name the saved file, and budget edits show at once.