Budgero

Name: Budgero
Price: 4 USD

Private, open-source budgeting in the browser with end-to-end encryption

Visit Budgero

Research-based review, not hands-on testing. Last researched 2026-10-13.

Overview

Budgero is a browser-based budgeting app where users assign money to categories and track what is left to spend. The managed cloud version stores data end-to-end encrypted, supports several account currencies and shared budgets for up to five people. The code is AGPL-3.0 open source and can be self-hosted for free.

Best for: Privacy-minded households (or self-hosters) who want assigned-dollar budgeting with mixed-currency accounts and no bank linking

Pros

Open source under AGPL-3.0 with a self-hosting guide (Docker or native binary)
End-to-end encrypted budget data on the cloud version
Up to five people share one subscription
Accounts in separate currencies with converted balances
YNAB import and SQLite/CSV export

Cons

Web app only; no native mobile apps confirmed
No bank sync
Cloud costs $4/month or $35/year after a 35-day trial (no free cloud tier)
Self-hosting requires managing the server, updates and backups

Features

Envelope budgeting not confirmed not confirmed
Automatic bank sync not included
Manual transaction entry included
Goal tracking included
Debt payoff tools not confirmed not confirmed
Investment tracking not confirmed not confirmed
Bill reminders not confirmed not confirmed
Reports & charts included
Multi-currency included
Shared / household budgets included
Separate logins for shared budgets not confirmed not confirmed

Assign-and-track budgeting, multi-currency accounts, shared budgets (up to 5), Money Map/Spending/Wealth/Scenarios reports, YNAB import, SQLite/CSV export, E2E encryption, self-hosting

Our review

Short version

Quick profile, not a full review. Built on 2026-09-29 from the vendor site, store listings and public sources. No hands-on testing: I did not sign up, start a trial or connect a bank.

Cost

$4/month, tax included (Budgero Cloud)
$35/year, tax included; self-hosting is free
Trial: 35 days free, no credit card

Not confirmed

Founded year; Envelope budgeting label; Debt payoff, bill reminders, investment tracking; Multiple budgets per account; PWA/mobile install; Depth of independent reviews (only search-result snippets seen).