A personal budget that actually works— in 60 seconds.
Answer 5 quick questions and our AI builds a monthly budget and savings roadmap tailored to your income, lifestyle and goals. Free, anonymous, no bank connection.
How it works
From messy money to a clear plan in 3 steps
- 1
Answer 5 questions
Income, fixed costs, variable costs, debts and your #1 savings goal. No bank login. No personal data.
- 2
AI builds your plan
Categorised monthly budget, savings roadmap and concrete weekly actions — tuned to your real cashflow.
- 3
Stick to it
Track spending, hit goals, and unlock streaks. Export a Pro PDF or share your plan link.
Free vs Pro
Free is generous. Pro is a game changer.
Start free, upgrade when you're ready to unlock the full toolkit.
Free
ForeverEverything you need to start budgeting today.
- AI-generated monthly budget
- Savings roadmap for 1 goal
- 6 languages
- EUR currency
- Basic PDF export
- Unlimited saved plans
- Retirement & FI calculator
- 29 currencies
- Budget-method templates
Pro
Most popularOr €39/year — save 35%. 7-day free trial, cancel anytime.
- Everything in Free, plus:
- AI Financial Coach — chat about your money anytime
- Smart savings goal auto-plan — AI builds your path to every goal
- Weekly AI check-in emails — progress, tips & motivation
- Unlimited saved plans & savings goals
- Retirement & FI calculator with projections
- 29 currencies with locale formatting
- 4 method templates (50/30/20, zero-based, envelope, pay-yourself-first)
- Streaks & saving challenges
- Multi-page PDF export (cover, categories, chart)
- Monthly progress reminders
- Priority AI generation
Secure payment · Stripe · Cancel anytime
Pro features
What you unlock with Pro
A serious money toolkit for anyone who wants to stop guessing and start compounding.
AI Financial Coach
Ask anything about your budget, spending or goals. One ongoing chat, saved to your account.
Smart savings auto-plan
The AI calculates monthly and weekly targets, feasibility ratings and personalised tips for every goal.
Weekly AI check-in
A personalised email every week with your progress, streaks, goal updates and AI-powered money tips.
Unlimited savings goals
Track house deposits, holidays, emergency funds — with live progress bars and ETA to hit each goal.
Retirement & FI calculator
Model your path to financial independence with real projections, contribution rates and target FI number.
29 currencies
Locale-aware formatting for EUR, USD, GBP, CHF, SEK, NOK, PLN, JPY and more. Free plan is EUR-only.
Method templates
One tap to switch between 50/30/20, zero-based, envelope and pay-yourself-first budgeting.
Streaks & challenges
52-week save, no-spend week, emergency-fund sprint — turn saving into a habit you actually enjoy.
Multi-page Pro PDF
Beautiful export with cover, categories, savings chart and goals — perfect for couples and coaches.
Monthly reminders
A gentle nudge with your progress vs plan, straight to your inbox — no app to remember to open.
Priority AI
Faster AI generation and access to the latest planning models — first, every time.
Anonymous & private
No bank connection, no PII required. Your data stays yours — export or delete at any time.
€4.99/mo or €39/yr · Cancel anytime
Loved by budgeters
12,000+ people already have a plan they stick to
“I finally know where my money goes each month. The AI made a plan in a minute — no more guilt-spending.”
“The retirement calculator is what got me to go Pro. Seeing my FI number made it real.”
“We used the Pro PDF as our couple budget doc. Zero fights this month, first time ever.”
Try it now
Get your free AI budget plan
Takes 60 seconds. No signup. No bank login.
FAQ
Common questions
Is BudgetPlanner really free?+
Yes. Generate an AI budget plan and savings roadmap for free, forever — no signup. Pro is an optional upgrade (€4.99/mo or €39/yr) with a 7-day free trial.
What does Pro unlock?+
AI Financial Coach chat, smart savings goal auto-plan, weekly AI check-in emails, unlimited saved plans and savings goals, retirement & FI calculator, 29 currencies, 4 budget-method templates, streaks & challenges, monthly reminders, priority AI and a multi-page PDF export.
How long does it take to build a budget?+
About 60 seconds. Answer 5 quick questions and the AI does the rest.
Do I need to link my bank account?+
Never. BudgetPlanner is fully anonymous by default.
Can I cancel Pro any time?+
Yes — cancel in your account at any point. Cancel during the 7-day trial and you're not charged.
Which languages are supported?+
English, Dutch, German, French, Spanish and Portuguese.
Your future self is going to thank you.
Start free in 60 seconds — or unlock the full toolkit with Pro and start compounding this month.