# Killer Budget review > Free web app for zero-based budgeting with carry-over balances, goals and reports Source: https://budgetingapps.org/apps/killer-budget (researched 2026-10-14). Research-based review, not hands-on testing. *KillerBudget (killerbudget.com), operated by 2501 sp. z o.o., a Polish company. Not related to similarly named finance tools.* ## Summary KillerBudget is a free web app using the zero-based (envelope-style) method, with month-to-month balance carry-over, savings goals and spending reports. The free version places no limits on accounts, categories, transactions or history. The site is responsive for phones and shows no bank connection. **Best for:** People who want a free, simple zero-based budget in the browser without bank linking ## Key facts - Website: https://killerbudget.com/ - Price: Free (the site describes 'the free version' but shows no paid plan); None listed - Rating: 1.9/5 - Free plan: yes - Free trial: n/a - Platforms: Web - Budgeting method: Zero-based, Envelope - Bank sync: Not mentioned - Mobile apps: No native app; responsive web - Import: Not confirmed. The privacy policy grants a right to receive your data on request; no in-app export is documented. - Multiple budgets: Not confirmed - Team: 2501 sp. z o.o., a company registered in Poland (per the privacy policy and terms) - Privacy: Policy (dated Sep 2020) says data is never sold. TLS in transit and encrypted backups, but most data is not encrypted at rest. Data is hosted in Poland (EU). After cancellation, content is deleted from live systems within 30 days and from backups within 60. No MFA and no audit documented. ## Features - Envelope budgeting: yes - Automatic bank sync: not confirmed - 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: not confirmed - Shared / household budgets: not confirmed - Separate logins for shared budgets: not confirmed ## Pros - Free version has unlimited accounts, categories, transactions and data retention - Balance carry-over reflects overspending or savings in the next month - Goals and reports included in the free tier - Mobile-friendly responsive design and quick signup ## Cons - No native mobile apps; the site is a responsive web app only - No bank sync or import described, so everything is typed in by hand - The site says 'the free version' and the terms mention paid plans, but no paid plan or price is published - No about page, changelog or dated releases, so recent maintenance cannot be confirmed - Privacy: most data is not encrypted at rest (the policy says so), and no MFA or independent audit is documented - Very little independent coverage found; the one public thread is the creator's own post - No scheduled or recurring items, debt tracking or reconciliation documented ## Our review ### Short version KillerBudget is a free web app for zero-based (envelope-style) budgeting, with month-to-month balance carry-over, savings goals and spending reports. The free version places no limits on accounts, categories, transactions or history. The site is responsive for phones and shows no bank connection. **Research-based profile, not hands-on testing.** Last checked 2026-10-09 from the vendor's site, privacy policy and terms, the sign-in page and the Wayback Machine. I did not sign up, start a trial or enter any data. ### Who is behind it The privacy policy and terms name 2501 sp. z o.o., a company registered in Poland, as the creator and operator, with data hosted in Poland. That settles the identity question that held this listing back earlier. A thread on a budgeting forum, written by the creator and read here only through a search snippet (Reddit cannot be opened), says he built it for his own use and keeps it free. That is the vendor's own account, so it is not independent evidence. ### Status killerbudget.com and app.killerbudget.com are live, and archive captures go back to early 2022. There is no changelog, store listing or dated release, so recent development cannot be confirmed. The policy and terms are dated September 2020. ### Cost Free. The site refers to 'the free version' and the terms mention paid plans and a free-to-paid upgrade path, but no paid plan or price is published. ### Privacy The policy says data is never sold. It states TLS in transit and encrypted backups, and it openly says most data is not encrypted while stored in the live database. After cancellation, content is removed from live systems within 30 days and from backups within 60. No two-factor option and no independent audit are documented. Access and portability requests are handled by email. ### What is distinct Not much has been confirmed. It follows the established zero-based method and its creator describes it as a free alternative to a paid app, so the angle is mainly price and a clean interface. ### Not confirmed Founded year; last update; bank sync; import/export; multiple budgets; scheduled or recurring items; debt tracking; reconciliation; paid-plan details. ### Bottom line A small, free, no-frills web envelope budget from a named Polish company, with a plain privacy policy but thin documentation and no visible release history. Fine to try if you want something free and manual; look elsewhere if you need bank sync, apps or proof of ongoing development. Ratings are set separately against a shared rubric. ## Sources - [KillerBudget landing page (features, free tier)](https://killerbudget.com/) (retrieved 2026-10-14) - [Privacy policy (operator, encryption, data location)](https://killerbudget.com/privacy) (retrieved 2026-10-14) - [Terms of service (free plan, deletion, paid plans)](https://killerbudget.com/terms) (retrieved 2026-10-14) - [App sign-in page (live service)](https://app.killerbudget.com/) (retrieved 2026-10-14)