Private, open-source budgeting in the browser with end-to-end encryption
- Zero-based
- Expense tracking
- Couples & families
Family Budget Tracker
Statement-upload budgeting with a 'safe to spend' figure and family sharing
The name is shared by other unrelated products, such as templates and demos.
Research-based review, not hands-on testing. Last researched .
Overview
This web and Android app (from developer Digraw) builds a budget from uploaded bank statements or Android payment notifications rather than bank aggregator links. It shows a 'Safe to Spend' amount and trends, and has solo and family plans with up to 5 members. Many features, including AI statement uploads, investment tracking and export, are paid.
Best for: Households that don't want to link bank accounts and are fine uploading statements or granting Android notification access
Pros and cons
Pros
- No bank aggregator login; works from statements or notifications
- Free Solo and Free Family plans exist
- Family plans cover up to 5 members with shared budgets
- Multi-currency in all plans (160+ currencies)
- Premium adds AI insights, investment tracking, voice entry and export
Cons
- Free tiers are tight: 1 account, 12 categories, 10 recurring items, basic reports only
- CSV/YNAB import and CSV/PDF export are Premium-only
- AI statement uploads are capped (15 solo, 30 family); extraction is English-first
- Android app is distributed as a direct APK download, not through Google Play; no iOS app
Features
- Envelope budgeting not confirmed not confirmed
- Automatic bank sync not included
- Manual transaction entry not confirmed not confirmed
- 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 included
- Separate logins for shared budgets not confirmed not confirmed
Safe to Spend, statement AI parsing, Magic Drop Drive ingestion, notification sync, family sharing, investments, mortgage manager, voice commands, multi-currency, reports
Our review
Short version
This web and Android app (from developer Digraw) builds a budget from uploaded bank statements or Android payment notifications rather than bank aggregator links. It shows a 'Safe to Spend' amount and trends, and has solo and family plans with up to 5 members. Many features, including AI statement uploads, investment tracking and export, are paid.
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
- Premium Solo $4.99/month; Premium Family $7.99/month; Free Solo and Free Family available
- Premium Solo $39.99/year; Premium Family $69.99/year
- Trial: 30-day free trial on Premium plans, no card needed for eligible accounts
Not confirmed
Founded year; Last release date; Zero-based method (only developer's Reddit description); Manual transaction entry; Envelope budgeting; Debt payoff; Bill reminders; Store rating (not on Play).
Notes
Name is shared by other unrelated products (templates, demos). Reddit post (via search snippet) mentions zero-based aims; the vendor page does not state zero-based budgeting.
Ratings are set separately against a shared rubric.
Family Budget Tracker alternatives
Free web-based zero-based budgeting for manual entry, installable on phones
- Zero-based
- Expense tracking
- Forecasting
Shared household budgeting with bank sync, rules and envelope-style rollover
- Envelope
- Expense tracking
- Couples & families