⚡ Radical Privacy & Local AI

A financial app as powerful as a bank.
As private as your diary.

BudgetZen is a beautiful, privacy-first personal finance app that works 100% offline. On-device AI, Zero-Based Budgeting, and a Zen Score that gamifies your financial health — with no account, no cloud, and no data tracking, ever.

Get it on Google Play

"What if a financial app could be as powerful as a bank, but as private as your personal diary?"

Most personal finance apps force you to create an account, sync your bank credentials to a cloud, and quietly monetize your spending data. BudgetZen was built around the opposite premise: absolute privacy. No account. No cloud. No tracking. It works entirely offline, on your device.

Why BudgetZen

Six reasons it's different

🧠

On-Device AI Coach

All spending analysis and end-of-month predictions happen directly on your phone. Not a single byte of data ever leaves your device.

⚖️

Zero-Based Budget Mode

Give every dollar a job with a live counter that hits zero when your monthly plan is perfectly balanced. Includes 1-tap 50/30/20 auto-distribution.

📋

Classic Budget Mode

Track as you go. On-device AI detects unusual spikes, identifies hidden subscriptions, and predicts your end-of-month balance.

🏆

Zen Score

Gamify your financial health with local metrics and 20 achievement badges, all computed on-device.

🏦

Smart CSV Bank Import

No risky live banking sync. Drag and drop your bank's CSV, a local algorithm auto-categorizes every transaction.

🌍

Globally Ready

Available in 10 languages — including full right-to-left support for Arabic — and 60+ currencies.

Inside the app

Every feature, in detail

✓
100% Local & PrivateAll financial data stays on your device. No servers, no cloud, no account required.
✓
Unlimited Transactions & BudgetsNo artificial limits, even in the free version. Full tracking without friction.
✓
Zero-Based Budgeting (ZBB)Assign every dollar a job with manual allocation, plus automatic 50/30/20 distribution.
✓
On-Device AI Insights12 types of local insights: spending velocity, implicit recurring transactions, deficit alerts, and more.
✓
Advanced Analytics & ChartsPie, bar, balance evolution curve, and revenue vs. expenses dual bar — beautiful, SVG-native charts.
✓
Project SimulatorPlan house, car, travel, or education goals with feasibility scores and risk analysis.
✓
Quick Goal TrackerSet a savings target, see progress, and get the monthly amount needed to reach it.
✓
Recurring Transaction RemindersPush notifications for periodic bills, subscriptions, or salaries.
✓
CSV Import/ExportImport bank statements with automatic categorization. Export to CSV, JSON, TXT, or PDF.
✓
Weekly Financial CoachA personalized weekly summary notification, with savings opportunities in Premium.
✓
Monthly PDF ReportAuto-generated report with charts, budget tables, project progress, and AI insights. (Premium)
✓
Family SharingShare budgets securely via encrypted .bz files — pure local encryption, no cloud involved. (Premium)

Pricing

Free to use. Optional to upgrade.

BudgetZen's core features, including unlimited transactions and Zero-Based Budgeting, are free to use for as long as you like. Going Premium is a choice for anyone who wants extra comfort or more advanced tools — not a requirement.

Free

Everything you need to start budgeting privately.

  • Unlimited transactions & budgets
  • Zero-Based & Classic budget modes
  • On-device AI spending insights
  • Zen Score + 3 starter badges
  • CSV bank import
  • Basic weekly coach summary

Lifetime

One-time payment. Everything unlocked, forever.

  • All 20 Zen Score badges
  • Advanced charts & balance evolution curve
  • Monthly PDF reports
  • Encrypted family sharing
  • Full weekly coach with savings opportunities
  • Available in restricted quantities per launch wave, to keep development sustainable

Your financial diary, fully private.

Download BudgetZen free, try it with your own budget, and decide for yourself whether the Lifetime plan is worth it.

Get it on Google Play