# Budgero review

> Private, open-source budgeting in the browser with end-to-end encryption
Source: https://budgetingapps.org/apps/budgero (researched 2026-10-13). Research-based review, not hands-on testing.

## Summary

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

## Key facts

- Website: https://budgero.app/
- Price: $4/month; $35/year
- Rating: 3.8/5
- Free plan: no
- Free trial: 35 days free, no credit card
- Platforms: Web
- Budgeting method: Zero-based, Expense tracking, Couples & families, Forecasting
- Bank sync: No; site positions it as budgeting without bank connections
- Mobile apps: No native app confirmed; works in mobile browser
- Import: YNAB (direct connection or export file)
- Multiple budgets: Not confirmed
- Team: Small; GitHub repo under tombadilo-bombadilo with 407 commits
- Privacy: End-to-end encrypted; open source; self-hostable

## Features

- Envelope budgeting: not confirmed
- Automatic bank sync: no
- Manual transaction entry: yes
- Goal tracking: yes
- Debt payoff tools: not confirmed
- Investment tracking: not confirmed
- Bill reminders: not confirmed
- Reports & charts: yes
- Multi-currency: yes
- Shared / household budgets: yes
- Separate logins for shared budgets: not confirmed

## 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

## Our review

### Short version

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.

**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).

### Notes

Self-hosted core is free; pricing applies to Budgero Cloud. No /pricing page (404); pricing is on homepage.

Ratings are set separately against a shared rubric.

## Sources

- [Budgero official website](https://budgero.app/) (retrieved 2026-10-13)
- [Budgero GitHub repository](https://github.com/tombadilo-bombadilo/budgero) (retrieved 2026-10-13)