Pricing
No tiers, no trial, no card. Every feature is on every account. The only thing Budgi asks for is a CSV export from your bank — never your banking login.
Every feature, every account, no limits.
CSV import from any bank
Upload a statement export — works with every Australian bank, including accounts open banking never covered
AI transaction categorising
Merchants recognised and sorted automatically; it learns your corrections and stops asking
AI financial coach
Stage-by-stage advice on buffer, debt, super and investing — not just spending nags
Unlimited budgets
Envelopes with rollover, templates and alerts. No category cap
Net worth tracking
Accounts, super, investments, property and debts in one figure, charted over time
Debt payoff strategies
Avalanche vs snowball, simulated against your real balances and rates
Superannuation optimiser
Projections with contributions tax and the concessional cap applied properly
Sinking funds
Plan monthly for rego, insurance and the irregular bills that wreck a budget
Savings goals
Unlimited goals with auto-allocation from every pay
HECS & tax calculator
Current-year ATO brackets, Medicare levy and marginal HECS repayment
Scenario planner
Model a pay rise, a spending cut or an extra repayment before you commit
Weekly check-ins & digest
A five-minute review, and your week emailed to you
Household sharing
Share budgets and goals with a partner
Export everything
CSV and PDF. Your data leaves as easily as it arrived
Budgi is closed to new sign-ups for now
The AI coach, super projections, scenario planner and debt strategies are the features other apps put behind their top tier. They are all just here.
No CDR consent, no accredited data recipient holding a copy of your banking data, no standing read access. You upload a file — that is the whole relationship.
CSV export exists at every Australian bank, including the smaller ones and the business, joint and legacy accounts open banking skipped.
Bank feeds are the expensive part of building a finance app — the data providers charge per connection, every month, and that cost is what every subscription is really paying for. Budgi skips it. You do two minutes of work a month instead, and the app costs nothing.
Yes. Every feature is included on every account — the AI coach, super optimiser, scenario planner, debt strategies, exports, household sharing. There are no paid tiers, no trial that expires, and we never ask for a card.
There isn't a hidden one, but there is a trade-off worth being upfront about: Budgi doesn't connect to your bank. You export a CSV from internet banking and upload it, which takes about two minutes. In exchange you pay nothing and we never hold access to your accounts.
You download a CSV statement from your bank and drop it in. Budgi works out which bank the file came from, reads the columns, and categorises every line with AI. Re-importing a file that overlaps with one you already uploaded is safe — duplicates are detected.
If your bank lets you export a CSV or transaction file, it works — and every Australian bank does. That includes smaller banks and credit unions, plus older, business and joint accounts that open banking never covered.
No. Budgi has no bank feed and asks for no CDR consent, so there is no accredited third party holding a copy of your banking data and no ongoing read access to your accounts. The only data we hold is what you upload.
That's the intention. If paid options are ever introduced, the features you have today stay available on your account — we won't take something away and sell it back to you.
Any time, in full, as CSV or PDF. Your data leaves as easily as it arrived.
Export a CSV from your bank, upload it, and see where your money actually goes.
See the live demo