Private finance workspace

See the month before it happens.

Budgetox lays every bill, salary and reserve onto one projected balance, so the lowest day of the month is never a surprise.

Example 14-day projected balance
Now
2,480.00 €
Lowest · 28 Oct
1,207.81 €
In 14 days
1,847.81 €

Example data

Wednesday, 28 October

1,207.81 €

Lowest point in the next 14 days

Scheduled · next 14 days

Drag across the line or pick a payment. Every step is one you already told Budgetox about.

  • No bank login, ever
  • Free workspace, no card
  • Accounts in any currency
  • Built in Vienna

Payday, in depth

Know what your balance is already promised to.

A balance is one number. Budgetox shows the jobs inside it: what is scheduled, what funds reserve and what is still yours to plan.

4,108.76 €

  1. 01 · Payday

    Salary lands on what was left.

    690.76 € was left when +3,418.00 € arrived. The account now reads 4,108.76 €, and that number alone says nothing about what is safe to spend.

  2. 02 · Scheduled

    Bills claim their share first.

    Rent, lease, utilities and subscriptions already have dates. 1,272.19 € of this balance is promised to recurring payments before the next salary.

  3. 03 · Funds

    Funds reserve without moving money.

    Emergency and travel funds set aside 1,650.00 € inside the same account. Nothing is transferred; only the decision is recorded.

  4. 04 · Unreserved

    What is left is truly yours.

    1,186.57 € is neither scheduled nor reserved. That is the number budgets and goals should be planned against.

One workspace

Every euro gets a job before it leaves.

Six systems run underneath the forecast. None of them asks you to move money between banks.

  1. 01 · Transactions

    Every transaction, in context.

    Income, expenses, transfers, refueling and charging share one ledger. Split a single receipt across categories and budgets, and payee aliases tidy up bank descriptions.

  2. 02 · Budgets

    Budgets that notice pace, not just limits.

    An even-pace guide shows whether you are early or late in the period while there is still time to adjust. Alerts arrive at your warning and critical thresholds, and closed periods are kept exactly as they were.

  3. 03 · Funds

    Reserve money without moving it.

    A fund earmarks part of an account for one purpose. Reserve, release or move it in a tap, then spend from the fund straight from an expense.

  4. 04 · Goals

    Goals with a real pace.

    A goal is a plan with a target and a date. Budgetox shows what you need each month to arrive on time, without locking money away.

  5. 05 · Recurring

    Bills stop arriving by surprise.

    Rent, subscriptions, leases and salary run on their own schedules. Budgetox posts them when they land and warns you before one would take an account below zero.

  6. 06 · Household

    Share without giving up control.

    Invite a partner by email and choose which accounts and budgets they see. They get a clear view; only you can change your records.

And everything around it

The details that make it trustworthy.

Bank CSV import

Map columns once and save the mapping as a template. Rows already imported from the same source are skipped, so re-importing a file never doubles a month.

Premium

Every currency, kept apart

EUR, USD and GBP accounts keep their own balances. Totals convert with stored exchange rates.

Premium

12,480.00 €

Example total across three accounts. Rates are illustrative.

Vehicles, fully costed

Refueling and charging land in the same ledger, with cost per month and consumption per 100 km.

Alerts that arrive early

Budget warnings, projected shortfalls and automatic postings show up as they happen.

A calendar of money

Each day shows what was spent, earned and scheduled, with recurring items marked before they land.

Your data, exportable

A lossless CSV export keeps every split allocation, currency, rate and reference, so nothing is trapped here.

Premium

No bank login. Ever.

Budgetox never asks for your banking credentials. You decide what comes in, and your records stay in your private workspace. Payments are handled by Stripe; Budgetox never sees your card.

Pricing

Start free. Upgrade when it earns it.

Free

0 €

No card. No time limit.

  • 3 accounts and 2 budgets
  • 2 goals and 5 recurring payments
  • 1 vehicle and 15 categories
  • Forecast, funds and household sharing
  • 3 months of transaction history
Create free workspace

Premium

14-day trial

2.99 €per month

Billed monthly after the trial.

  • Unlimited accounts, budgets, goals and schedules
  • Bank CSV import and lossless export
  • Accounts in multiple currencies
  • Email alerts and advanced analytics
  • Full transaction history
Start free, try Premium later

Premium starts only when you choose it. Stripe shows the amount, interval and trial end before you confirm.

Questions, answered plainly.

Do I need a card to sign up?

No. The free workspace needs only an email and a password. Premium is a separate step you choose later.

Does Budgetox connect to my bank?

No. With Premium you export a CSV from your bank and import it. Budgetox never asks for your banking credentials.

What is the difference between a fund and a goal?

A fund reserves part of an account's balance for one purpose. A goal is a plan with a target and a date; it tracks progress without reserving money.

Can I share with my partner?

Yes. Create a household and choose which accounts and budgets to share. Members see them; only the owner can change them.

What happens after the Premium trial?

Stripe shows the plan, interval, amount and trial end before you confirm. You can stay on Free at any time.

Who handles payments?

Stripe. Budgetox never sees or stores your card details.

Your next 14 days, in two minutes.

Start free