Your money.
Your overview.
Always free.

Budgetto is a free budget app that tracks your expenses, income and subscriptions, with forecasts that already see August's vacation spike coming. No subscription, no ads, no selling your data.

The building blocks

Under the hood: things that hold up

No marketing fluff. Just what's under the hood, why it's built that way, and what you get out of it.

Always know what's coming in

Add an expense or income in three seconds. Your balance updates instantly. Editing and refunds work the way you'd expect.

Smart forecast

Based on your own pattern, Budgetto predicts where your balance lands in a month, three months, a year. No subscriptions or savings in the mix, pure in/out trend.

Subscription overview

Netflix, Spotify, gym, all in one place. Budgetto works out what each subscription costs you per year, and over three and ten years. That 12 euros a month reads differently with 1,440 euros underneath it.

Forecast

August sees it coming already.

Budgetto recognises what comes back every month, looks at the season once there is a year of data, and extends the trend of the last six months.

Cashflow overview

October 2026

1 Oct to 31 Oct

Income
Expenses
In
€621
Out
€341
Net
+ €280
1 Oct9 Oct16 Oct24 Oct31 Oct

Subscriptions detected

3 detected

Netflix

Monthly · €13,99

Spotify

Monthly · €10,99

Autoverzekering

Yearly · €248,00

Net worth

Everything you own, added up

Your account, your savings and your investments are rarely in one place. Budgetto adds them up into a single figure, no matter which broker or bank your positions sit with.

Net worth

Example figures

Share, in dollars+1.2%€ 3.140
Global ETF+0.4%€ 4.020
Bond ETF−0.3%€ 1.500
Goldown price€ 2.000
In your account€ 1.240
Savings€ 3.500
Invested€ 10.660
Net worth€ 15.400

Every platform in one overview

Shares, ETFs, bonds, crypto and things like gold. You enter a position yourself, so it does not matter where you bought it. What is scattered across four apps fits on one screen here.

Prices update by themselves

Add the ticker and the price gets fetched, in dollars too, using the exchange rate from the day you bought. If a number looks wrong, you fill it in yourself and your value stays put.

Cash, savings and investments together

Buy something with money from your account and your cash goes down while your invested value goes up. Your net worth is the sum of the three, and that figure comes from the same calculation everywhere in the app.

Principles

Free means actually free

No ads between your transactions. No Google or Meta peeking. No external APIs that need your balance to train their model. Just you, your numbers and the people you let in.

budgetto: network log

$scan outgoing requests
→ google-analytics.com ✗ no connection
→ facebook.com/tr ✗ no connection
→ cdn.segment.io ✗ no connection
→ openai.com ✗ no connection
$scan ad slots
banner 0 · interstitial 0 · inline-ad 0
$budgetto --status
OK, you are not the product.

What we never do

AdsZero
TrackersZero
External APIsZero
Data salesNever

Three firm promises

01
no adsnot even "subtle" ones
02
no trackersno Analytics, no Pixel
03
export anytimeJSON/CSV, one click
€ 0
Cost · Forever
90
Forecast days
0
Ads & trackers
30s
Setup time

Frequently asked questions

What people usually ask

Yes. There is no subscription, no trial period and no paid tier with extra features. Budgetto makes no money from your data: no ads, no tracking, nothing sold on. The server costs are carried by GY Digital.

No, and it is not even possible. Budgetto never asks for your banking details and has no link to your account whatsoever. You enter your expenses and income yourself, or set up your fixed costs once as subscriptions. That is slower, and that is not only a drawback: with a connection you find out at the end of the month what happened, while entering things yourself makes you feel a purchase at the moment you write it down. It takes ten seconds, and that is exactly the moment you can still decide you did not need it.

Budgetto looks at your own history. Expenses that come back every month are recognised as a fixed pattern, the trend of recent months is taken into account, and so is the season: for most people August costs more than February. That produces an estimate of what will be left in the coming months. It is a calculation based on your figures, not advice, and the longer you track, the sharper it gets.

On a server in the European Union, managed by GY Digital. Your browser only talks to that server and to nobody else. There are no analytics, no ad networks and no third-party cookies: only strictly necessary cookies, such as the one that keeps you logged in. Server backups keep your data for a maximum of thirty days. They are encrypted and are also stored in a second place in Germany; the key to open them is not on the server.

We do not look at your figures. Budgetto works with them itself, but the administrator does not read your transactions, amounts or notes, and our statistics are counts only. Technically the administrator can reach them, as with any service that calculates with your figures: it is a commitment, not a lock. What it covers exactly is set out in the privacy policy.

Yes. You create a shared profile, for example for your household or a joint account, and invite your partner using their email address. Once your partner accepts, you confirm that it is the right person. A shared profile works for two to six adults. Everyone keeps their own account and their own profile, and switches between profiles in one click. In the shared profile, every member sees everything in it, including what was already there, and who entered what. Leaving is your own decision, without the others' permission.

No. Your partner only sees what is in the shared profile, not your own profile. You can let someone view your own profile, but only if you switch it on yourself: it is off by default, you choose what that person sees (everything or just your wealth, always read only), and you always see who is viewing and when they last looked. You can stop it at any time, in one click.

Yes. For a child, you keep track of their money in a child profile, without a login for the child. From 13, you can hand that profile over to your child, with the agreement of every parent of the profile: your child gets their own login and takes everything with them. Until your child is 18 you can view it; you can only add entries if your child allows it. From 16 your child can stop the viewing, and at 18 it stops automatically.

Everything in the profile: spending, income, fixed costs, wealth and savings. That lasts until the child is 18, or until the child stops them from 16. Parents cannot change anything in it unless the child lets them add entries; they can then only change what they entered themselves, and the child can always take that back. Parents cannot download a copy. The child can see which parent viewed the profile, when, and what they did in it. Emails about a child never mention their name.

Yes. Under Settings you can export everything to CSV or to a JSON backup, and that backup can be imported again. If you delete your account, your data goes immediately; what you entered in a profile shared with others stays for them, without your name. So you are not tied to anything.

Yes. Budgetto is a website that adapts to your screen, so it works on phone, tablet and computer without installing anything. You can add it to your home screen and it opens like a normal app. There is nothing in the App Store or Google Play.

Dutch, French and English. You pick the language in the top right and that choice is remembered. Amounts are in euros.

Budgetto is built and maintained by Romain Goyeau, a solo developer from Mechelen who works under the name GY Digital. It started as a budget app for personal use, because the existing apps either cost money or made money from their users' data.

No. Budgetto at budgetto.be is the free Belgian budget app by GY Digital (Romain Goyeau, Mechelen) and is unrelated to any other product with the same name. It has existed since April 2026 and has no paid version. The namesakes: two apps in the App Store (an Italian receipt app and one from Uzbekistan), the meal planner getbudgetto.app, the Danish budget app budgetto.app, the Dutch household budget book budgetto.nl and Estonian construction software. The only address is budgetto.be: nothing in an app store, and never a paid version.

Completely free · Forever

Start today. Stay free forever.

Creating an account takes 30 seconds. In half an hour you'll know more about your spending than your bank, without anyone watching.