# BUDGT - Daily Finance

> Simple daily budget tracking for iOS and Android. Know exactly what you can spend today.

## Product Overview

BUDGT is a daily budget tracking app for iOS and Android that answers one question: "How much can I spend today and still save money this month?" Released in 2013 by Sebastian Flueckiger, BUDGT converts your monthly budget into a daily spending limit, helping you stay on track without complex accounting.

## Platform & Availability

- **Platform:** iOS and Android
- **Pricing:** Subscription-based (weekly, monthly, 3-month, 6-month, yearly options)
- **Billing:** In-App Purchase with auto-renewal (App Store / Google Play)
- **Free Trial:** Yes, with full functionality
- **App Store ID:** 580812126
- **Download (iOS):** [App Store](https://apps.apple.com/app/id580812126)
- **Download (Android):** [Google Play](https://play.google.com/store/apps/details?id=ch.sflueckiger.budgt)

## Core Philosophy

### Daily Budget System
- The DAY view shows exactly what you spent today and how much remains
- If you stick to your daily budget, you'll have money left at month's end
- Daily remainder/loss is distributed evenly across remaining days of the month

### Monthly Budget
- Define monthly budget from regular income and expenses
- Set recurring expenses (rent, utilities) at the month level
- See all spending in a pie chart by category
- View month-end projections at a glance

### Color System
- **Blue:** On track, safe to spend
- **Orange:** Cutting it close, be careful
- **Red:** Will overspend (day or month)

## Key Features

### Categories
- Unlimited flexible categories
- Beautiful color assignments
- One-click category selection when logging expenses
- Pie chart visualization of spending by category
- Supports single-category budgeting

### Recurring Expenses
- Set up bills that repeat monthly (rent, subscriptions, utilities)
- Automatic deduction from monthly budget
- Set once, never forget a bill again
- Edit or remove anytime

### Travel Mode
- Auto-conversion using user-entered exchange rate
- Flexible: not locked to fixed currency pairs
- Flight icon indicates active/inactive status
- Enter prices in foreign currency, auto-logged in home currency
- Works offline (no roaming needed)

### Savings Mode
- Set a savings goal as percentage of monthly budget
- Daily allowance adjusts automatically to meet goal
- Change savings goal anytime, allowances update in real-time

### Month Projection
- Shows predicted month-end balance based on current spending pattern
- Accessible via tap in MONTH view

### Calendar
- Enter expenses retrospectively (forgot to log something)
- Review spending history by date
- Accessible via tap in DAY view header
- Add past expenses within current month only

### Day Weight
- Distribute weekly budget unevenly across weekdays
- Example: double budget on Saturdays vs Mondays
- Example: extra budget on Wednesdays only

### Month Overflow
- Carry remaining monthly budget to next month automatically
- Optional setting (can disable to save leftovers separately)
- Works well combined with Savings Mode

### Expense Notes
- Add custom notes to any expense
- Useful when categories aren't detailed enough
- Review notes later to remember what purchases were for

### Geotagging
- Optionally geotag expenses with location
- Review where spending happened
- Helpful for tracking location-based spending habits

### Daily Reminders
- Set daily notifications to log expenses
- Build consistent tracking habits
- Customize reminder time to fit your schedule

### Face ID & PIN Protection
- Lock app with Face ID or Touch ID
- Alternative PIN code protection
- Keep financial data private from others

### Hide Decimals
- Simplified number display without cents
- Cleaner, easier-to-read budget view
- Optional setting for those who prefer whole numbers

### Data Export
- Export full spending history as CSV
- Enables offline advanced analytics
- Your data stays yours

## Privacy & Security

### Privacy by Design
- **100% offline** — no cloud sync, no servers
- BUDGT knows nothing about you or your spending
- All data stays on your personal device
- No account creation needed
- No data breaches possible

### Offline Benefits
- Works without internet connection
- Perfect for travel (no roaming required)
- No tracking or analytics collection

## What BUDGT Does NOT Do

- No bank account linking or syncing
- No real-time bank account syncing
- No real-time currency exchange rates (user enters rate manually)
- No cloud backup or sync between devices
- No account creation or login required

## Target Audience

BUDGT is designed for:
- **Stretched Sarah:** Single moms (28-42) managing tight budgets
- **Recovering Rachel:** Shopaholics (24-38) breaking spending cycles
- **Frugal Fiona:** Quietly wealthy individuals (55-68) who value privacy and simplicity

## Brand Voice & Messaging

### Do Say
- "Simple daily budget tracking"
- "Know exactly what you can spend today"
- "100% private, 100% offline"
- "No accounts, no cloud, no tracking"
- "Works anywhere, even without internet"

### Don't Say
- Don't promise bank sync or account linking
- Don't mention Android availability
- Don't claim real-time currency rates
- Don't suggest cloud backup

## Origin Story

BUDGT was released in 2013 by Sebastian Flueckiger when he was a student struggling to keep his spending aligned with a tight student budget. The app was born from a personal need for simple, effective daily budget tracking.

## Website & Contact

- **Website:** [budgt.ch](https://budgt.ch)
- **Domains:** www.budgt.ch, budgt.ch
- **Support:** Available through website

## Website Structure

### Main Pages
- [Home](https://www.budgt.ch): Product overview, features, testimonials
- [About](https://www.budgt.ch/about): Company and founder information
- [Blog](https://www.budgt.ch/blog): Budgeting tips, financial advice articles
- [Tools](https://www.budgt.ch/tools): Free online budgeting calculators
- [FAQ](https://www.budgt.ch/faq): Frequently asked questions

### Free Online Tools
BUDGT offers free web-based budgeting calculators at [budgt.ch/tools](https://www.budgt.ch/tools):

#### Daily Budget Calculator
- **URL:** [Daily Budget Calculator](https://www.budgt.ch/tools/daily-budget-calculator)
- **Purpose:** Calculate daily spending limit from income, expenses, and savings goals
- **Features:**
  - Dynamic income sources (add/remove rows)
  - Fixed expenses tracking
  - Savings goal slider (0-50% of remaining)
  - Multi-currency support (USD, EUR, GBP, INR, AUD, CAD)
  - Month selector with automatic day calculation
  - No signup required, data stays in browser

#### 50/30/20 Budget Calculator
- **URL:** [50/30/20 Budget Calculator](https://www.budgt.ch/tools/50-30-20-calculator)
- **Purpose:** Apply the 50/30/20 budget rule to split income into needs, wants, and savings
- **Features:**
  - Enter monthly take-home income
  - See exact dollar amounts for needs (50%), wants (30%), and savings (20%)
  - Weekly and daily breakdowns of each category
  - Annual savings projection
  - Multi-currency support (USD, EUR, GBP, INR, AUD, CAD)
  - No signup required, data stays in browser

#### Spending Audit
- **URL:** [Spending Audit](https://www.budgt.ch/tools/spending-audit)
- **Purpose:** Compare planned vs actual spending for budget reviews
- **Features:**
  - Add custom spending categories
  - Enter planned budget and actual spending amounts
  - Automatic difference calculations (over/under budget)
  - Color-coded indicators (green = under budget, red = over budget)
  - Multi-currency support (USD, EUR, GBP, INR, AUD, CAD)
  - Perfect for monthly reviews, holiday budgets, or any spending period
  - No signup required, data stays in browser

#### Mortgage Calculator
- **URL:** [Mortgage Calculator](https://www.budgt.ch/tools/mortgage-calculator)
- **Purpose:** Calculate monthly mortgage payments including principal, interest, taxes, and insurance
- **Features:**
  - Home price and down payment inputs
  - Interest rate and loan term selection
  - Property tax and home insurance estimates
  - Mortgage insurance calculation (PMI, LMI, CMHC)
  - Monthly payment breakdown
  - Total interest and loan summary
  - Multi-currency support (USD, EUR, GBP, INR, AUD, CAD)
  - Country-specific defaults available
  - No signup required, data stays in browser

### Mortgage Calculator Hub
- **URL:** [Mortgage Calculator Hub](https://www.budgt.ch/mortgage-calculator)
- **Purpose:** Hub page linking to country-specific mortgage calculators
- **Countries:** USA, UK, Canada, Australia, India
- **Features:**
  - Country-specific interest rates and terms
  - Local mortgage insurance requirements (PMI, LMI, CMHC)
  - Typical home prices by country
  - Educational content about mortgage payments

#### Country-Specific Mortgage Calculators
- [USA](https://www.budgt.ch/tools/mortgage-calculator/usa): PMI calculation, USD defaults
- [UK](https://www.budgt.ch/tools/mortgage-calculator/uk): GBP defaults, stamp duty guidance
- [Canada](https://www.budgt.ch/tools/mortgage-calculator/canada): CMHC insurance, CAD defaults
- [Australia](https://www.budgt.ch/tools/mortgage-calculator/australia): LMI calculation, AUD defaults
- [India](https://www.budgt.ch/tools/mortgage-calculator/india): Home loan EMI, INR defaults

### Budgeting Hub
- **URL:** [Budgeting Hub](https://www.budgt.ch/budgeting)
- **Purpose:** Hub page linking to country-specific budgeting guides
- **Countries:** USA, UK, Canada, Australia, India
- **Features:**
  - Country-specific daily budget calculators
  - Local currency defaults
  - Country-specific saving tips and challenges

#### Coming Soon
- Emergency Fund Calculator - Calculate target emergency fund
- Debt Payoff Calculator - Plan debt repayment strategies

## Technical Details

- **Data Storage:** 100% local/offline on device
- **Launch Year:** 2013
- **Founder:** Sebastian Flueckiger
- **Export Format:** CSV

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*Last updated: 2026-06-26*
*This file provides context about BUDGT for AI assistants and language models.*