Your money, finally planned
to grow.
Australia's personal finance app for budget tracking, net worth, super optimisation, and AI coaching that knows exactly where you stand financially — and what to do next.
Free forever · No credit card required · Australian banks only
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Salary sacrifice opportunity detected
Stage 3 — super optimisation. Sacrificing $200/month saves ~$768/year in tax.
Save $768/year in tax100+
Australian banks supported
5
Wealth-building stages tracked
CDR
Open Banking standard
$0
Cost to get started
AI Financial Planner
for Australians
Most apps tell you where your money went. Budgi tells you what to do with what's left. It assesses your financial stage and gives you a specific action plan.
- Knows your financial stage — always gives relevant advice
- Super, ETF & investment advice built in
- Acknowledges wins and escalates to bigger levers
- Never repeats advice from the last 2 weeks
- Australian-specific: super caps, EOFY, franking credits
Salary sacrifice opportunity
HighYour savings rate is 24% and you have no high-interest debt. You're in Stage 3 — super optimisation. Salary sacrificing $200/month saves ~$768/year in tax.
Save $768/year in taxStart investing your surplus
MediumYou have $850/month left after expenses and goals. With your emergency buffer at 4 months, you're ready to invest. VGS ETF has returned ~10% annually over 10 years.
$850/month investedPay down credit card first
HighYour credit card at 19.99% is costing ~$35/month in interest. An extra $100 fortnightly eliminates it in 8 months instead of 14.
Save $420 in interestCurrent Net Worth
$284,500
↑ +$2,340 this month
Bank & savings
$42,100
Super
$68,400
Investments
$31,000
Property
$650,000
Mortgage
−$490,000
Car loan
−$17,000
Net Worth, Super & Budgets —
All in One Place
See everything that contributes to your net worth — bank accounts, super, investments, property, and all your debts — updated live. Not just what you spend, but what you're actually building.
- Super balance pulled from your super page
- Debts from your debt tracker included automatically
- Manual assets — property, vehicles, shares
- 12-month net worth chart to track growth
- Net worth target with projection date
Everything you need
The Australian Budgeting App That Actually Works
AI Financial Planner
Stage-by-stage wealth advice — emergency buffer, debt, super optimisation, or investing. Real numbers, not generic tips.
Net Worth Tracking
A live net worth dashboard — bank accounts, super, investments, property and debts. Watch it grow with a 12-month chart.
Superannuation Optimiser
Track your super balance and get advice on concessional contributions up to the $30k annual cap. Salary sacrifice modelling included.
Australian Open Banking
Connect via CDR — CBA, Westpac, NAB, ANZ and 100+ others. Transactions sync automatically and are intelligently categorised.
Budgets with Rollover
Set monthly limits per category with burn-rate tracking. Unspent funds roll over — your budget reflects real life, not a spreadsheet.
Debt Payoff Strategies
Avalanche vs Snowball — see side-by-side projections of total interest paid and debt-free dates. Priority badges keep you focused.
Sinking Funds
Plan for car rego, insurance, Christmas. Know exactly how much to set aside each month so big bills never catch you off guard.
Weekly Check-Ins
A structured weekly review of spending vs allowance, at-risk categories, and goal progress. Builds the habit that compounds.
Built for Australians
HECS take-home calculator, super tracking, AUD-first design, EOFY reminders. Not a US app with a currency converter bolted on.
Why Budgi
Made for Australia.
Not ported from elsewhere.
$0
Forever free
- 1 bank connection or CSV import
- Unlimited transactions (AI auto-categorised)
- Up to 5 budget categories
- Up to 3 savings goals
- Up to 5 bills tracked
- + 4 more features
$9.90/mo
or $99/year — save 17%
- Unlimited bank connections
- Unlimited budget categories
- Budget Rollover
- Budget Templates
- Goal Auto-Allocation
- + 7 more features
$14.90/mo
or $129/year — save 28%
- Everything in Plus, plus:
- AI Financial Planner & Coach
- AI Budget Builder
- Scenario Planner
- Net Worth History
- + 2 more AI features
Ready to build real wealth?
Free account. Connect in 2 minutes. Your AI financial planner starts working immediately.
Create free accountNo credit card · Australian banks only · Cancel anytime