Budbud

Take control of your finances with Budbud, the budget tracker designed for people who want real clarity about their cash flow with minimum effort. Set up your recurring income, expenses, and debts once, and know exactly what will hit your accounts and when.

COMPLETE FINANCIAL VISIBILITY See your entire financial picture at a glance. The budget dashboard displays your total income, recurring expenses, net budget, and what you actually retain after debt payments. Swipe through months to explore your complete financial history and future projections. Configure how far ahead you want to see—one month, twelve months, or more.

PAY CYCLE TRACKING Know exactly where you stand in your current pay cycle. Budbud calculates expenses before and after your next paycheck, tracks multiple income sources arriving on the same day, and alerts you to potential shortfalls before they happen. See pending ACH transactions, upcoming expenses by category, and whether your next cycle's income will cover what's due.

SMART INCOME & EXPENSE TRACKING Handle any payment schedule with ease. Whether you're paid bi-weekly, on the 2nd Thursday of each month, or need business-day adjustments for weekends and holidays—Budbud handles it all. Set up recurring expenses with flexible start and end dates, filter by specific months for seasonal expenses, and organize everything into color-coded categories with custom icons.

FLUCTUATING EXPENSE TRACKING Not every bill is the same amount each month. Track variable expenses like utilities, groceries, and gas with intelligent estimation. Log your actual spending each month, and Budbud uses three different methods—simple averaging, linear trend analysis, or seasonal pattern detection—to predict future amounts for accurate budgeting.

POWERFUL DEBT MANAGEMENT Track loans, credit cards, and mortgages with professional-grade tools: • Full amortization schedules showing exactly how much goes to principal vs. interest for every payment • Advanced payoff strategy simulation tools • Interest calculations supporting multiple compounding methods including simple, daily, monthly, and continuous • Per-payment fee tracking for loans with origination fees or service charges • Payment modifications including lump sum payments, rate changes, and extra principal payments • Visual progress indicators showing payoff timelines

FINANCIAL PROJECTIONS Plan ahead with detailed forward-looking projections across any time horizon you choose. See projected income, upcoming expenses, debt payoff timelines, and spending trends. The interactive Sankey diagram visualizes exactly how money flows from your income sources through each expense category.

CALENDAR HEATMAP See your spending intensity at a glance with a visual calendar heatmap. Each day shows color-coded spending levels with category breakdowns. Tap any day for a detailed view of what's due.

SIMULATION MODE Test financial scenarios completely risk-free. Enter a sandbox environment where you can make hypothetical changes—add a new car payment, increase your rent, consolidate debts, or model a raise. See the full impact on your budget and debt payoff timeline, then decide whether to apply the changes or discard them entirely.

BEAUTIFUL & CUSTOMIZABLE • Full dark mode support • 15+ app icon themes to match your style • Color-coded categories with icons • Interactive charts and visualizations • Clean, intuitive interface

MULTI-CURRENCY SUPPORT Track your budget in USD, GBP, EUR, JPY, or DKK with automatic locale-aware formatting.

EASY SETUP Get started in minutes with guided onboarding. Choose from 20+ pre-built expense templates for common bills like rent, utilities, streaming subscriptions, and insurance.

Download Budbud today and finally understand where your money goes.

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