Connect your Australian bank accounts, get AI-powered spending insights, smash debt, and build the habits that actually stick.
Free forever · No credit card · Australian banks only
100+
Australian banks supported
15+
Features built for Aussies
CDR
Open Banking standard
$0
Cost to get started
How it works
Link your Australian bank accounts via Open Banking or import a CSV. Transactions appear instantly, auto-categorised.
Apply a budget template or build your own. Create savings goals and Budgi auto-allocates from every pay.
Budgi's AI analyses your patterns, spots issues, and delivers specific, actionable insights — remembering what it's told you before.
Weekly check-ins, habit score, and progressive coaching turn one-off decisions into permanent financial improvements.
Most apps just show you charts. Budgi's AI coach analyses 60 days of your transactions, compares this month to last, and generates specific, numbered advice — like “pay an extra $150 on your credit card this fortnight to save $420 in interest.”
Next week, it remembers what it told you. If your dining spend went down, it acknowledges the win and moves on to your next biggest opportunity.
Dining spend is 27% over budget
🔴 HighYou've spent $381 on restaurants against a $300 budget. Last month you were under — something changed. Try cooking at home twice a week to save ~$80/month.
Save ~$80/monthPay 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 interest✓ Groceries improved — great work
🟡 MediumYou cut grocery spend by $63 this month after my suggestion last week. Your savings rate is now 24% — the highest it's been in 3 months.
$756 extra per yearEverything you need
A persistent coach that analyses your spending patterns, remembers past advice, and delivers fresh, personalised insights every week — not generic tips.
Connect all your bank accounts via CDR — CBA, Westpac, NAB, ANZ and 100+ others. Transactions sync automatically.
Set monthly limits per category with burn-rate tracking. Unspent funds can roll over to next month — your budget reflects real life.
Track savings goals and auto-allocate a fixed amount or percentage of every pay to each goal. Progress happens automatically.
Avalanche vs Snowball — see side-by-side projections of total interest and debt-free dates. Numbered priority badges keep you on track.
Plan for car rego, insurance, Christmas — anything irregular. Know exactly how much to set aside each month so big bills never surprise you.
What if I cut dining by $200? What if I got a $5k raise? Adjust sliders and see the live impact on your savings rate and goals.
A 5-step weekly review of your spending vs allowance, at-risk categories, goal progress, and a reflection note. Builds the habit.
HECS take-home calculator, super contribution tracking, AUD-first design. Not a US app with a flag slapped on it.
Why Budgi
Free account. Connect in 2 minutes. Your AI coach starts working immediately.
Create free accountNo credit card · Australian banks only · Cancel anytime