AI financial planner + coach — powered by Claude

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

Menu

Dashboard
Transactions
Net Worth
Coach AI
Goals
Sinking Funds
Net Worth
$284,500
Savings Rate
24%
This Month
+$2,340
Groceries
$312
of $400
Dining Out
$189
over $150
Transport
$84
of $200

Salary sacrifice opportunity detected

Stage 3 — super optimisation. Sacrificing $200/month saves ~$408/year in tax.

Save $408/year in tax

Any

Australian bank, via CSV

5

Wealth-building stages tracked

$0

Every feature, no tiers

None

Bank logins requested

Powered by Claude AI

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

High

Your 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 tax

Start investing your surplus

Medium

You 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 invested

Pay down credit card first

High

Your 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 interest

Current 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 Tracking

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

Upgraded

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.

New

Debt Payoff Strategies

Avalanche vs Snowball — see side-by-side projections of total interest paid and debt-free dates. Priority badges keep you focused.

New

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.

FeatureBudgiOthers
Every feature free
No bank login or CDR consent
Automatic bank feeds
Budget envelopes
AI coach with memory
Investment & super wealth advice
Net worth with super + debts
Financial planning stage framework
Debt payoff strategies
Sinking funds / irregular spend
Weekly check-in habit tracker
Privacy-first (no ads)

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.

$0forever

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
See the live demo

Budgi is closed to new sign-ups for now

Budgi

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 demo

Budgi is closed to new sign-ups for now