BudgetZen
Privacy-first finance app, 100% offline. On-device AI insights, Zero-Based Budget, Zen Score & badges, smart bank CSV import, Project simulator, Weekly coach, 60+ currencies, 10 languages.
Cost / License
- Freemium (Pay once or Subscription)
- Proprietary
Application types
Platforms
- Android
Features
Properties
- Privacy focused
Features
- Goal Tracking
- End-to-End Encryption
- Works Offline
- Support for multiple currencies
- Cash Flow Analysis
- Dark Mode
- Portable
- Ad-free
- No registration required
- Import CSV Data
- Zero-based budgeting
BudgetZen News & Activities
Recent activities
AshirH added BudgetZen as alternative to DebtFreeCalc
arilsonvictoriano30-ai added BudgetZen as alternative to VD Finance OS
rolandmoldovan added BudgetZen as alternative to Monavo – Expense Tracker
Lancefinance added BudgetZen as alternative to Manticore Finance
shashankimarati added BudgetZen as alternative to Halfway Couples Budget
ByrsaTeam added BudgetZen as alternative to PocketSmith
ByrsaTeam added BudgetZen as alternative to Alzex Personal Finance
Kezxo added BudgetZen as alternative to Minus - Budget Tracking
BudgetZen information
Developed by
Byrsa Team Licensing
Proprietary and Freemium product.Pricing
One time purchase that costs $150, and / or subscription that costs from $4 per month + free version with limited functionality.Alternatives
63 alternatives listedSupported Languages
- English
- French
- Spanish
- Italian
- German
- Portuguese
- Arabic
- Japanese
- Korean
- Turkish
What is BudgetZen?
BudgetZen is a radical approach to personal finance management: it is designed to be as powerful as a bank, but as private as your personal diary.
Unlike traditional budgeting tools that force you to create cloud accounts and link sensitive bank credentials, BudgetZen operates 100% locally on your device. No internet required, no tracking, and no data selling. Your data belongs to you, and only you.
Key Features:
• On-Device AI Insights: Get personalized spending analysis, anomaly detection, and end-of-month balance predictions calculated entirely on your phone.
• Zero-Based Budget Mode: Give every dollar a job before you spend it with a live counter and 1-tap 50/30/20 rule auto-distribution.
• 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.
• Local CSV Bank Import: Avoid dangerous bank syncs. Export a CSV from your local bank, and import it directly. Categories are auto-detected locally.
• Zen Score & Gamification: Track your financial health streak and earn 20 unique badges from Beginner to Zen Master.
• Total Data Ownership: Export your financial history anytime in Excel, CSV, JSON, TXT, or PDF.
BudgetZen is fully localized in 10 languages (English, French, German, Spanish, Italian, Portuguese, Japanese, Arabic, Korean, Turkish) and supports over 60 currencies. Unlimited transactions and budgets are always free.
