# Family Budget Tracker review > Statement-upload budgeting with a 'safe to spend' figure and family sharing Source: https://budgetingapps.org/apps/family-budget-tracker (researched 2026-10-15). Research-based review, not hands-on testing. *The name is shared by unrelated apps and templates. This listing covers Digraw's product at family-budget.getdigraw.com. It now has a Google Play listing; no iOS listing was found.* ## Summary 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 comfortable sending statements to an AI service or granting Android notification access ## Key facts - Website: https://family-budget.getdigraw.com/ - Price: $4.99/month; $39.99/year - Rating: 2.6/5 - Free plan: yes - Free trial: 30-day free trial on Premium plans, no card needed for eligible accounts - Platforms: Web, Android - Budgeting method: Expense tracking, Couples & families, Forecasting - Bank sync: No bank aggregator link. Statements are uploaded (PDF/JPEG), dropped into a shared Google Drive folder (Magic Drop), or captured from Android notifications/SMS alerts (Premium) - Mobile apps: Android app is now on Google Play; listing updated 2026-10-13. SMS access is not used in the Play version, unlike direct APK version disclosures. - Import: Statement PDF/JPEG upload by AI (Premium, 15 or 30 uploads); CSV/YNAB import and CSV/PDF export are Premium - Multiple budgets: Not confirmed - Team: Digraw (small; contact support@getdigraw.com; terms cite England and Wales law) - Privacy: Statements go to a third-party AI provider (Google Gemini) and temporary cloud storage, then are deleted; extracted transactions stay in the account (hosted database). Policy updated 2026-09-30. Not independently audited. ## Features - Envelope budgeting: not confirmed - Automatic bank sync: no - Manual transaction entry: not confirmed - Goal tracking: yes - Debt payoff tools: not confirmed - Investment tracking: yes - Bill reminders: not confirmed - Reports & charts: yes - Multi-currency: yes - Shared / household budgets: yes - Separate logins for shared budgets: not confirmed ## Pros - No bank aggregator login: works from statements, a shared Drive folder, or Android alerts - Free Solo and Free Family plans exist, and Premium has a 30-day trial with no card required for eligible accounts - Family plans cover up to 5 members with shared budgets - Multi-currency in every plan (160+ currencies, per-account currency, daily rates) - Privacy pages are specific: they name the sub-processors, what Gemini receives, and how deletion works - Premium adds AI insights, investment tracking, voice entry and CSV/PDF export ## Cons - Full statements (including account numbers) are sent to Google Gemini; the app requests file deletion, but Google's provider retention terms still apply. - Google Play's version says it does not use SMS access; confirm which Android distribution and permissions apply before installing. - Terms dated 2025-12-26 say subscriptions renew monthly after trial, while current pricing lists both monthly and annual plans. - Very little independent feedback found; the product remains new, and the store sample is too small to establish broad satisfaction. ## Our review ### Short version Family Budget Tracker by Digraw is a web and Android budgeting app built around statement imports, a shared Google Drive folder, or optional Android bank-notification capture—not bank-aggregator login. It surfaces a “Safe to Spend” figure, with solo and family plans for up to five members. **Research-based profile, not hands-on testing.** Checked public vendor pages and the Google Play listing on 2026-10-15; no account or trial was used. ### What changed since the last check - Digraw now has an official Google Play listing, updated October 13, 2026. It describes both Safe to Spend and envelope budgeting. The listing says SMS access is not used by the Play version, unlike the vendor's direct-APK/privacy disclosures; verify the distribution-specific permissions. - Current vendor pricing lists Free Solo and Family plans, plus Premium Solo at $4.99/month or $39.99/year and Premium Family at $7.99/month or $69.99/year. Eligible accounts receive a one-time 30-day trial. - The October 9, 2026 privacy policy documents optional Android SMS/notification filtering and the handling of alert text. The AI disclosure says full statement files are sent to Google Gemini; deletion is requested, subject to Google's provider terms. ### Cost and how it works Free plans have account/category/recurring-item limits. Premium adds statement extraction, Drive automation, notification sync, AI insights and expanded reports/import/export. PDF/JPEG statements and optional Android alerts feed transaction data to the budget. The current site advertises 160+ currencies and family sharing. ### Privacy and caveats No aggregator credentials are required, but this is not local-only budgeting: statement files are processed by Gemini and transaction data is stored in the account. The vendor describes deletion controls and provider retention; no independent audit was found. Android notification permissions and bank alert formats affect capture. The terms (dated December 26, 2025) say subscriptions renew monthly after trial, while the current pricing page offers annual plans as well; confirm the billing cadence before purchase. ### Not confirmed iOS availability, product launch year, and broad independent user feedback. The Play page shows only 10+ downloads and does not expose a public rating summary, so this is a small early distribution footprint. ### Bottom line A statement-first, household-friendly tracker for people who prefer not to link bank logins and accept cloud/AI processing. Check the plan terms and Android distribution/permissions carefully before relying on automation. Ratings are set separately against a shared rubric. ## Sources - [Vendor home, features and pricing](https://family-budget.getdigraw.com/) (retrieved 2026-10-15) - [Privacy policy (updated 2026-10-09)](https://family-budget.getdigraw.com/support/privacy) (retrieved 2026-10-15) - [Terms of service](https://family-budget.getdigraw.com/support/terms) (retrieved 2026-10-15) - [AI statement processing disclosure](https://family-budget.getdigraw.com/support/ai-processing) (retrieved 2026-10-15) - [Google Play listing (updated 2026-10-13)](https://play.google.com/store/apps/details?id=com.digraw.familybudgettracker.play) (retrieved 2026-10-15)