Budjo

Budjo is a private budgeting app that works without connecting to your bank. You enter your income, bills, and plan yourself, and it shows what you have left to spend today after bills and savings. Checking it takes about 30 seconds in the morning. There is no bank login, nothing tracking you in the app, and no AI deciding anything. Every number is simple math based on what you typed in.

It runs in any browser, works offline, and has a free plan with no card required. Until 20 July, new sign-ups also get three months of the paid plan free. I built Budjo for myself first because every other budgeting app wanted my bank login, and I was never comfortable giving that up.