On-Device AI • Zero Cloud • 100% Private

Your Money. Your AI Advisor.

BudgetBuddy automatically reads your bank notifications, categorizes every transaction, and uses an on-device AI to give you real-time insights — without your data ever leaving your phone.

Download Free Explore Features
0+ Banks
0+ Countries
100% On-Device
BudgetBuddy Dashboard
🤖 AI Advisor Active
🔒 Data stays on device
⚡ Auto-detected +Rs.3,200
The Problem

We know the struggle.
That's why we built this.

✕

Manual expense entry every day

→
✓

Automatic SMS parsing — zero effort

✕

Uploading data to cloud servers

→
✓

On-device AI — data never leaves your phone

✕

Generic advice from finance apps

→
✓

Personalized AI insights from YOUR data

Features

Everything you need.
Nothing you don't.

Core Feature

Automatic Transaction Tracking

Reads your bank SMS notifications and automatically extracts the merchant, amount, and category. Support for 25+ banks. OTPs, promos, and fraud alerts are filtered out automatically.

25+ Banks Smart Filtering Auto-Categorize
Transaction Tracking

Natural Language Input

Just type like you're texting. "Spent 2800 at Pizza Hut for dinner" — amount, store, category, and date parsed instantly.

Conversational Multi-Currency
Spent 2800 at Pizza Hut for dinner
💰 Rs. 2,800 🍕 Pizza Hut 🍔 Food & Dining
✓ Parsed instantly

Smart Budget Management

50/30/20 rule or custom plans. Real-time progress with visual gauges. Get alerts before you overspend.

50/30/20 Rule Custom Plans
62% Remaining
🎯

Savings Goals

Set multiple targets. Track progress with visual cards and countdown timers.

📅

Bill Reminders

Never miss a payment. Smart reminders 3 days before bills are due.

📊

Rich Analytics

Spending heat maps, pie charts, monthly reports, and trend analysis.

🧙

Easy Onboarding

Step-by-step wizard. Resume anytime — it remembers where you left off.

Adaptive Quick-Add

BudgetBuddy learns from you. Your most frequent expenses appear as one-tap shortcuts. The more you use it, the faster it gets.

☕ Coffee 250 at Starbucks
🛒 Groceries 1500 at Keells
⛽ Fuel 3000 at Shell
🍔 Lunch 350 at KFC
🚌 Bus 60

Tags & Notes

Add context to every expense. Tag transactions with "work," "vacation," or "shared." Notes like "Birthday dinner" give extra detail.

Custom Tags Quick Notes Color Chips
🏷️ work
🏷️ groceries
🏷️ vacation
🏷️ shared
🏷️ rent

Commitment Tag Matching

Tag a commitment like "rent." When a transaction with the same tag is detected, BudgetBuddy automatically marks it Paid. Partial payments tracked too.

Auto-Match Paid / Partial / Pending
🏠 Rent #rent ✓ Paid
📱 Phone #phone ◐ Partial
💳 Loan #loan ○ Pending
🔍

Dedicated Search

Find any expense instantly across descriptions, categories, tags, and amounts.

🌍

Multi-Currency

Log in Rs, USD, GBP, EUR, AUD, or PHP. Works across 50+ countries.

Industry First
New — Exclusive Feature

Smart Insights
That Come to You.

Other apps wait for you to dig through charts. BudgetBuddy proactively alerts you when something needs attention — before it becomes a problem. No other personal finance app does this on-device.

Spending Anomaly Alerts

When you spend 2× or more than your 3-month average in any category, BudgetBuddy flags it immediately. No need to manually compare — the app does it for you.

⚠️ Dining spending is 3.2× higher
You've spent 4,800 on Dining — your 3-month avg is 1,500.

Bill Shortfall Prediction

BudgetBuddy continuously compares your remaining income vs. unpaid commitments. If you won't have enough left to cover upcoming bills, you'll know before it's too late.

🚨 Bill shortfall of 12,500
Remaining income may not cover Rent, Phone, Loan.
1

App loads & computes insights from your data

→
2

AI button transforms — pulses amber with a lightbulb

→
3

Tap it → see detailed insight banner in AI Advisor

💡

Why this matters

Most finance apps are reactive — they show you what already happened. BudgetBuddy is proactive. It watches your patterns in real-time, on-device, and tells you what's about to go wrong. All without sending a single byte of your data to the cloud.

Game-Changing Feature

On-Device AI Advisor
— A First of Its Kind.

Most finance apps track numbers. BudgetBuddy understands them. Our AI advisor runs entirely on your device — no internet, no cloud, no data sharing. Ask it anything about your finances and get instant, personalized answers.

AI Advisor - Transactions
📊 Transactions

"What did I spend the most on?"

AI Advisor - Bills
📅 Bills

"What bills are due soon?"

AI Advisor - Savings
💰 Savings

"How can I save more?"

💬

Ask Anything

Conversational interface with tabs for Transactions, Spending, Budget, Bills, Savings, and Monthly Summary.

📱

Works Offline

The AI model lives on your phone. No internet required. Get advice anywhere.

🔒

Zero Data Leakage

Your financial conversations stay on your phone. No server logs. No cloud. Ever.

⚡

Instant Responses

No server round-trips. On-device model responds in seconds with real analysis.

🎯

Personalized

Analyzes YOUR income, YOUR spending, YOUR goals for advice that actually applies.

📊

Multi-Tab AI

Dedicated modes for Transactions, Spending, Budget, Bills, Savings, and Monthly Summary.

Privacy & Security

Your privacy is
non-negotiable.

🔐

Biometric Lock

Fingerprint and Face ID authentication keeps your data locked behind your identity.

📱

On-Device Processing

All AI processing happens locally. Your transactions never touch any server.

🔒

PIN Protection

Custom PIN as an additional security layer. Data is encrypted at rest.

🛡️

No Data Harvesting

We don't sell, share, or analyze your data. Your finances are yours — period.

Security Settings
Complete Toolkit

Everything
at a glance.

📱 Automatic SMS Parsing
🤖 On-Device AI Advisor
💬 Natural Language Input
📊 50/30/20 Budget Rule
🎯 Savings Goals
📅 Bill Reminders
🔥 Spending Heat Maps
📈 Monthly Reports
💳 Multi-Bank Support
🌍 Multi-Currency
🔐 Biometric Auth
🔔 Push Notifications
🏪 Store Database
🧮 Income Tracking
📋 Financial Wizard
🎨 Custom Categories
🌙 Dark Mode
📲 Quick Add Widget
🏦 25+ Banks
🧙 Easy Setup Wizard
💾 Resume Where You Left
🧠 Adaptive Quick-Add
🏷️ Tags & Notes
🔍 Dedicated Search Tab
🏷️ Commitment Tag Matching
🌍 50+ Countries
App Gallery

See it in
action.

Home Dashboard
Home
Today's Activity
Today
My Finances
My Finances
Insights
Insights
Reminders
Reminders
Settings
Settings

Take control of
your finances today.

Download BudgetBuddy for free and let AI handle the tedious work of tracking your money.

Download on the App Store
Get it on Google Play
Scan to download BudgetBuddy from Google Play

Scan with your phone to download

Available now on Android. iOS coming soon.

FAQ

Frequently asked
questions

BudgetBuddy is an AI-powered personal finance app that automatically tracks your expenses by reading bank SMS notifications. It categorizes your spending, manages budgets using the 50/30/20 rule, tracks savings goals, and provides AI-powered financial insights — all without your data ever leaving your device.

No! BudgetBuddy automatically reads your bank SMS notifications and extracts transaction details. You can also type expenses in natural language like "Spent 2800 at Pizza Hut" and the AI will parse everything automatically. Manual entry is always an option if you prefer.

Absolutely. BudgetBuddy processes everything on your device using an on-device AI model. Your financial data never leaves your phone. The app supports biometric authentication (fingerprint/Face ID) and PIN protection. We don't sell, share, or have access to your data.

BudgetBuddy supports 25+ banks across Sri Lanka (BOC, HNB, Sampath, Commercial Bank, NTB, Seylan, DFCC, and more), UK, US, Australia, and Philippines. We're constantly adding more banks based on user feedback.

No. The AI model runs entirely on your device. You can get financial advice, parse expenses, and view insights even without an internet connection. Internet is only needed for initial app download.

BudgetBuddy is free to download and use with core features. We believe everyone should have access to smart financial tools regardless of their budget.