Your money, finally planned
to grow.
Australia's personal finance app for budget tracking, net worth, super optimisation and AI coaching. Every feature free, and it works from a CSV export — no bank login, no open-banking consent — and what to do next.
Budgi is closed to new sign-ups for now
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Salary sacrifice opportunity detected
Stage 3 — super optimisation. Sacrificing $200/month saves ~$408/year in tax.
Save $408/year in taxAny
Australian bank, via CSV
5
Wealth-building stages tracked
$0
Every feature, no tiers
None
Bank logins requested
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 ~$408/year in tax.
Save $408/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 $32.5k annual cap. Salary sacrifice modelling included.
Works With Any Bank
Export a CSV from internet banking and drop it in. Budgi detects your bank’s format, categorises every line with AI, and never asks for your login.
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.
Pricing
It’s free. All of it.
No tiers, no trial, no card. Every feature below is included, and the only thing we ask for is a CSV export from your bank — never your banking login.
Every feature, every account, no limits.
- CSV import from any bank
- AI transaction categorising
- AI financial coach
- Unlimited budgets
- Net worth tracking
- Debt payoff strategies
- Superannuation optimiser
- Sinking funds
- Savings goals
- HECS & tax calculator
- Scenario planner
- Weekly check-ins & digest
- Household sharing
- Export everything
Budgi is closed to new sign-ups for now
Ready to build real wealth?
Budgi is closed to new sign-ups for now. The demo is the full product with sample data — every calculator, the AI coach and the CSV importer.
See the live demoBudgi is closed to new sign-ups for now