Budgety is an AI-driven financial app designed to simplify money management for everyday users. It helps you build better financial habits with automated budgeting, personalized insights, and easy-to-follow guidance. Budgety offers the perfect balance between cumbersome manual tools and overly complex budgeting platforms to help you manage your finances easily.
Read on for a detailed breakdown of Budgety to determine whether it’s the right financial tool for you.
Our Verdict
| Who Is Budgety Best For? | Best for consumers who: – Want a simple way to track their spending – Want a budgeting app that simplifies financial management – Need accessible support – Want helpful reminders before reaching their spending limits – Want clear actionable insights that guide their spending decisions |
| What We Like About Budgety | – Privacy – Simplifies budgeting – Supports CAD and USD accounts – Uses engaging content to encourage good habits |
| What We Don’t Like About Budgety | – Automatic bank syncing only available on the Premium Plan – No free plans |
What Does Budgety Offer?
Budget’s main offering is its AI-driven budgeting app, which acts as your own personal money manager. Here are a few notable features of the Budgety app:
Features
- Buddy AI: Get your financial questions answered immediately in terms you can understand.
- AI Budgets: Instantly creates a budget based on your earnings, expenses, and savings goals, and is fully customizable to fit your lifestyle.
- Transaction Shortcuts: Quickly organize your spending by editing multiple transactions at once by merchant, category, or amount, with no manual sorting required.
- Spending Notifications: Get helpful notifications when you reach 25%, 50%, 75%, and 100% of your budget to stay on track.
- Multi-Currency Support: Manage both Canadian and US accounts in one place at the same time with seamless currency tracking.
- Personalized Budget Views: Build your own categories and monitor everything from weekend getaways to freelance income for a complete financial picture.
- Live Human Support 24/7: Chat with real people anytime, including direct access to the founding team for personalized help.
- Squads: Collaborate with your partner or household to easily manage joint finances.
- Availability. Budgety is available on both iOS and Android everywhere, including Canada and the US.
Try It For Free
You can test out the app for free on the 7-day free trial, with no credit card required. Plus, you may qualify for a discount of up to 50% off the first year as a new user.
Discount Offer
New users can get up to 50% off the first year.
Two Plans To Meet Different Budgeting Needs
The cost of Budgety depends on the plan you choose:
| Basic Plan | Premium Plan |
| Cost: $2.99/month (or $19.99/year) | Cost: $13.99/month (or $79.99/year) |
| – Manually track your income, expenses, & savings – Build custom budgets, set spending limits, and get alerts when you reach them – Monitor up to two currencies at the same time – Automate recurring transactions – Create personalized categories – Add custom notes to each transaction – Enjoy private, secure data handling – Get 24/7 live chat support whenever you need help – Experience a clean, ad-free interface | – Sync both CAD and USD bank accounts – AI Insights to get smarter about spending – Build budgets, set spending limits, and receive alerts as you approach them – Use Rules to bulk edit transactions – Customize your experience with personalized categories – Choose manual tracking for full control – Automate recurring expenses – Track up to two currencies simultaneously with dual currency support – Enjoy private, secure data handling – Access 24/7 live chat support – Ad-free interface with zero distractions |
Learn more: Best Budgeting Apps In Canada
What We Like About Budgety
There are plenty of things to like about the Budgety app:
- Privacy You Can Trust: Your data is protected with advanced encryption, secure read-only account access, so your financial journey stays private.
- Simplifies Budgeting: Budgety takes the guesswork out of money management by automatically building budgets, offering tailored insights, and sending helpful reminders. The app is built to be friendly and easy to use, guiding you toward smarter decisions without hard-to-understand jargon.
- Designed By Canadians For Canadians: Budgety integrates with local banks and supports both CAD and USD accounts, making it ideal for cross-border budgeting.
- Supportive: Through engaging content, social media, and email tips, Budgety promotes positive financial habits and confidence.
- Low-Cost, High-Value: Starting at just $2.99/month (with up to 50% off your first year), Budgety offers helpful budgeting tools at a fraction of the cost of other similar budgeting apps.
What We Think You Should Watch Out For
As great as Budgety might be, there are a couple of potential drawbacks to consider:
- Automatic Bank Syncing Only Available On Premium Plan: While Budgety promotes multi‑account sync and multi‑currency transaction tracking, those features appear only under the Premium plan, which is much more expensive than the Basic Plan.
- No Free Plans: While the base plan is only $2.99 per month, there isn’t a free plan with just the basics. That said, you can try the app for free for 7 days and can get up to half price the first year as a new user.
Is Budgety Safe?
Yes, the app Budgety is safe. Budgety uses advanced encryption protocols to keep your personal and financial information secure, similar to what banks use to protect customer data. When you sync your bank accounts, Budgety only accesses data in read-only mode. This means it cannot move money, make transactions, or change your accounts in any way.
Plus, the platform promises no ads, which can reduce the risk of third-party tracking or data sharing with advertisers.
How Does Budgety Compare To YNAB?
An increasing number of budgeting apps are becoming available. So, how does Budgety stack up against them? Let’s compare Budgety to another popular budgeting platform: YNAB.
| Budgety | YNAB | |
| Cost | $2.99 – $13.99CAD/month or $19.99 – $79.99 CAD/year | $14.99 USD/month or $109 USD/year |
| Track Spending | Yes | Yes |
| Sync Bank Accounts | Yes | Yes |
| 24/7 Personal Support | Yes | No |
| Investment Tracking | Yes | Yes |
| Budget Alerts | Yes | No |
| AI Spending Insights | Yes | No |
| Budget Created for You | Yes | No |
| Budgeting method | Flexible budgeting | Zero-based budgeting only |
Final Thoughts
The Budgety app is an intelligent money management platform designed to streamline your finances. Think of Budgety as your pocket financial advisor, always available to answer your financial-related questions and give you a quick snapshot of where you stand with your spending and saving.
