Personal Finances - Buxo

Automatic anonymization before any AI call. Three providers with fallback. Your data never leaves your iPhone unless you say so.

Buxo is a personal-finance manager with privacy by design. It categorizes your expenses automatically using AI — but only when you decide, and always after anonymizing your data on-device.

FEATURES

• Voice capture: say "Spent 12 dollars at Whole Foods" and the app creates the transaction. • PDF statement import: works with most US and EU banks. Bulk AI categorization. • Per-category budgets with smart suggestions from your spending patterns. • Insights with interactive charts: category breakdown, trends, spending pace. • 6 selectable color themes. • Optional iCloud sync across your devices (encrypted by Apple). • CSV and PDF export with one tap.

PRIVACY BY DESIGN

• Your data lives on your iPhone. Period. • AI is optional: three independent toggles (voice, PDF, suggestions) are off by default. • Before any AI call: automatic anonymization strips IBAN, ID numbers, credit cards, phones, emails, URLs, postal codes, and person names. • Three AI providers (Cloudflare, Anthropic Claude, Google Gemini) with transparent fallback: if one fails, another responds. • On-disk encryption with Data Protection Complete: data unreadable while the device is locked. • "Delete all my data" button always available.

NOT A FINANCIAL ADVISOR

Buxo helps you understand your spending — not decide your investments. Suggestions are informational; you decide.

NO ADS · NO ACCOUNT REQUIRED

-- BUXO PREMIUM (SUBSCRIPTION) --

Unlock unlimited voice entry, receipt & statement scanning, AI categorization, and iCloud sync.

• Price: €2.99/month, with a 3-day free trial. • Payment is charged to your Apple ID at confirmation of purchase. • Your subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. • Manage or cancel anytime in your App Store account settings.

The Terms of Use (EULA) and Privacy Policy are displayed as functional links inside the app's subscription purchase screen (onboarding paywall), directly below the price card and above the "Start free trial" button. Both links open in Safari. The screen also shows the subscription title (Buxo Premium), duration (monthly), price (€2.99 after a 3-day free trial), and renewal terms, as required by Schedule 2 of the Apple Developer Program License Agreement.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://buxo-web.vercel.app/buxo/privacidad