Salary
income$3,200 · $400 to savings
Monthly on day 28 | Next run: 28 Jul 2026
Starts 28 Jan 2026 | Last run 28 Jun 2026
Stop overspending
Budgeto helps you take back control of your money. See exactly what you’ve got left, what you’ve spent, and where every dollar goes. Sign up free today
$0
Over 16% of Aussies spend more than they earn - and up to 9.6 million have money habits working against them (Finder).
When you can’t see the full picture, it’s easy to spend more than you meant to.
Budgeto helps you see it clearly.
The Budgeto method
What makes us different
Most budgeting methods make you focus on capping how much you spend in different areas. $200 for groceries, $100 for fun money, $50 for your phone bill.
But life isn't that simple. Gone out with friends? Forgot to buy toilet paper? Suddenly you're over and have to rework your whole budget.
Budgeto flips that script. We make you focus on one thing - getting to your next pay with leftover money. That's it.
$1,320
Leftover
- Income
- $3,200
- Spent
- $1,880
- Leftover
- $1,320
Automation
Track all your regular expenses in one place
Never forget a bill again. Set your rent, subscriptions and salary once, and Budgeto adds them to each cycle automatically for you - so payments don’t sneak up on you, and the repetitive stuff just takes care of itself.
Rent
expense$600
Fortnightly on Saturdays | Next run: 1 Aug 2026
Starts 1 Feb 2026 | Last run 18 Jul 2026
Phone plan
expense$45
Monthly on day 12 | Next run: 12 Jul 2026
Starts 12 Jan 2026 | Last run 12 Jun 2026
Long-term history
See how far you’ve come
It’s hard to tell if you’re actually getting ahead when you’re only looking at one payday. Budgeto keeps a record of every cycle, so you can look back over months and years and see how your spending, saving and leftover are really tracking.
Insights
See if this cycle beats your last
Numbers only mean something next to what came before. Budgeto’s dashboard sizes up this cycle against your last one and shows you the direction of travel at a glance.
Spending creeping up? Leftover slipping? You’ll spot it early - while you can still do something about it - instead of before you've burned through your whole pay
Compare with your last budget
You're ahead of your last budget cycle - keep it up!
Average daily spend
Last cycle$108
This cycle projected$96
Current pace signal: $92 per day
$12 less being spent per day
Leftover at cycle end
Last cycle$610
This cycle$830
$220 more leftover this cycle
Savings
Watch your savings grow
Saving can feel slow when you’re only ever looking at one payday. Budgeto adds up what you put aside over time, so you can see the bigger picture take shape and stay motivated to keep going.
| Cycle | Cumulative saved |
|---|---|
| 5 Dec | $300 |
| 5 Jan | $550 |
| 5 Feb | $970 |
| 5 Mar | $1,150 |
| 5 Apr | $1,650 |
| 5 May | $2,000 |
| 5 Jun | $2,600 |
| 5 Jul | $3,080 |
Spending breakdown
See exactly where your money goes
Get to payday and wonder where it all went? Budgeto sorts your spending into clear, colour-coded categories, so the little things that add up - the extra takeaway, the forgotten subscription - are easy to spot. Hover any slice to see a category, add your own with Pro.
Prefer to keep it simple? You can turn off Categories entirely in Settings if you don't need them
$3,200
Hover to see your spending
Budgeto Max · AI
AI to add income and expenses, ask questions, and more
Hate fiddling with entries? Just tell Budgeto - type it, say it, or snap a receipt and it’s logged. Not sure where to cut back? Ask, and get suggestions based on your own budget. Think of it as a money-savvy mate who knows your numbers. Coming soon with Budgeto Max.
Budgeto Max
Your AI money copilot
- You: Spent $18 on lunch and $52 on petrol today
- Budgeto Max: Done - logged Lunch $18 and Petrol $52 to today. You’ve got $63/day left this cycle.
- You: Where could I cut back?
- Budgeto Max: Eating out is running ~22% above your usual. Trimming it back to your average could free up about $140 this cycle.
- Plain-language entry
- Snap a receipt
- Voice entry
- Ask anything
Demo only - Budgeto Max is still under development and AI features are currently not available. AI insights are general information only, not financial advice.
Bank sync
Connect your bank and auto-import transactions
Tired of typing in every transaction? Connect your bank and Budgeto brings your income and expenses in for you. If a bill changes, it lets you know and offers to update your rule - so your budget stays accurate without much effort. Australia first, secure by design.
Everyday account ···4821
Connected · 12 transactions imported today
Rent
expense$1,450
Monthly on day 1 | Next run: 1 Aug 2026
Starts 1 Feb 2026 | Last run 1 Jul 2026
Your bank shows $1,500 on day 1.Update to $1,500
Play with it - watch your money move
See how it feels to always know where you stand. Adjust the income and spending up or down and watch the leftover react instantly. Get a feel for how Budgeto works right now, without having to sign up.
Swipe between Leftover and Spent, then nudge the numbers.
$950
Leftover
$1,450
Spent
Income: $2,400
Spending: $1,450
And a few more reasons to love it
The small things that make Budgeto feel effortless, every single cycle.
Custom pay cycles
Weekly, fortnightly, monthly or your own - Budgeto bends to whenever you actually get paid, not the calendar month.
Strong security
Your data is encrypted in transit and at rest. Optional two-factor authentication protects every login. Servers hosted in Sydney, Australia.
Import from files
Bring your history with you - upload a CSV or spreadsheet and Budgeto pulls your entries straight in.
Smartwatch apps
Log a coffee from your wrist. Budgeto’s watch apps keep on-the-go budgeting to a two-second tap.
Your currency, your format
Dollars, euros, pounds and more - budget in your currency, with the number and date formats you actually read.
Keeps working offline
Lose signal? Keep going. Budgeto saves your entries on your device and syncs them back up the moment you’re reconnected.
No messy spreadsheets, no wondering if you can afford that coffee. Just a clean snapshot of what you’ve spent, saved, and got leftover - for this pay cycle and every one before it.
Simple pricing, no surprises
Start completely free. Upgrade only if Budgeto earns it - early adopters get their first 3 months free.
Free
$0forever
The whole cycle-based budgeting workflow, at no cost.
- Leftover & spent dashboard
- Unlimited income & expense entries
- Up to 5 recurring automations
- Real-time spending & leftover tracking
Budgeto Pro
3 months free$59AUD / year
Just $4.92/month billed yearly · or $6.99/month
Automation-first budgeting with long-term insight.
- Everything in Free
- Unlimited recurring automations
- Long-term history across cycles
- Expanded trend & habit insights
- Smartwatch apps
Budgeto Max
Coming soonPricing coming soon
Your AI-native money copilot - voice, photo, or prompt.
- Everything in Pro
- Add expenses in plain language
- Snap a receipt to log it
- Ask where you could cut back
Banking Integration $30 AUD / year - Optional bolt-on for Pro or Max: connect your bank and auto-import income and expenses. 14-day free trial, Australia first. See full pricing
Questions, answered
Everything you might want to know about budgeting with Budgeto, for all kinds of income setups and cycles.
What makes Budgeto different from other budgeting apps?
Simplicity, first and always. The core of Budgeto is helping you focus on having money leftover from your pay when you get to the next one. The dashboard lets you add income and expenses right away and instantly shows what you've got left - no experience needed. With customisable budget cycles, recurring transactions, historical views and future projections, and a full sweet of both functional and UI settings, Budgeto adapts to you, not the other way around.
Do I have to pay to use Budgeto?
Nope. The free version lets you immediately start taking advantage of the Budgeto method, without even giving us a credit card. Right away you can set a budget cycle, add your income and expenses, and see exactly how much you've got left and how much you've spent. We want you to feel the difference Budgeto makes before we ever ask for a cent.
How much does Budgeto cost?
The basics - adding income and expenses, and seeing what you've got left, spent and saved - are completely free, and that's all you need to succeed with Budgeto. Budgeto Pro is just $59 AUD a year (or $6.99 a month) and unlocks the good stuff: recurring transactions, saved history, smart dashboard insights and plenty more.
Is there a free trial for Budgeto Pro?
Yep! Early adopters get 3 months of Pro free when they sign up for a year on the web. Everyone else gets a 14-day free trial - cancel anytime before it ends and you're never charged.
How hard is it to get started with Budgeto?
Honestly? Barely any effort at all. Sign-up walks you through setting up your budget cycle and recurring transactions, and the interface is simple enough that you can just dive in, even if you've never heard of us until five minutes ago.
Is my data safe with Budgeto?
Absolutely. Your data is encrypted in transit and at rest, we only collect what we genuinely need, and we never sell it to a third-party. Read our full privacy policy at Read our full privacy policy here
Built with you, not just for you
Budgeto gets better because of the people who use it. Tell us what’s working, what isn’t, and what you wish it did - we’re listening.
We read every submission
Your feedback genuinely shapes what we work on and how features ship - and yes, a real person reads every single message.
Tell us anything
Bugs, feature requests, a rough edge in the interface, or something that just feels off - send it straight from inside the app in a few taps.
Good ideas earn Pro
As an early adopter, constructive feedback that helps make Budgeto better can earn you free Pro extensions - because the people using it should share in making it great.
Ready to take back control?
Join Budgeto today and start building better money habits. It takes about a minute to get going.
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