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Budgetist

Subscription budgeting web app with envelope-style planning, bank sync and multi-asset accounts

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

Overview

Budgetist is a local-first web app (installable as a PWA, with a Google Play listing) that combines double-entry style transaction tracking with envelope-style budgeting of available funds. It supports savings targets, CSV import, and optional bank sync (GoCardless for EU/UK, SimpleFIN for US/Canada) on higher tiers. The vendor is a small team in Bulgaria.

Best for: Users who want an envelope-style budget with multi-asset accounts, plain-text export and optional bank sync on a low-cost subscription

Pros and cons

Pros

  • Bank sync via GoCardless (EU/UK) and SimpleFIN (US/Canada) on paid Connect tiers
  • Local-first design that works offline, with optional cross-device sync, per the developer
  • Handles investments and multiple currencies/assets without forcing conversion, per developer post
  • Exports JSON and (h)ledger plain-text format (developer post); CSV bulk import
  • Clear tiered pricing with a 42-day trial and no ads or data selling per vendor

Cons

  • Subscription only; lowest tier has no bank sync
  • US/Canada bank sync needs a separate SimpleFIN account; EU/UK Connect One covers one institution
  • Google Play listing has only 50+ downloads and no visible ratings, so the user base is very small
  • Double-entry approach may be harder for beginners
  • No iOS app listed; iPhone use is via the web app

Features

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

Envelope-style budget, targets/savings plans, double-entry transactions, investments and liabilities, multi-currency/assets, CSV import, bank sync, receipt QR scan, charts, JSON and hledger export

Our review

Short version

Budgetist is a local-first web app (installable as a PWA, with a Google Play listing) that combines double-entry style transaction tracking with envelope-style budgeting of available funds. It supports savings targets, CSV import, and optional bank sync (GoCardless for EU/UK, SimpleFIN for US/Canada) on higher tiers. The vendor is a small team in Bulgaria.

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

  • Basic $2.99/mo (no bank sync); Connect One $3.99/mo; Connect Unlimited $5.49/mo (USD view, also EUR/GBP)
  • Basic $35.88/yr; Connect One $47.88/yr; Connect Unlimited $65.88/yr
  • Trial: 42-day free trial of all features

Not confirmed

Founding year (HN post ~Oct 2025 is a launch announcement, not confirmed founding); Bill reminders, debt payoff, shared budgets; YNAB import; Store ratings; Independent reviews beyond a Show HN post.

Notes

iOS/PWA and export formats come from the developer's Hacker News post.

Ratings are set separately against a shared rubric.

Sources

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