Budgero

What Budgero is

Budgero is a budgeting app for planning spending and managing accounts in multiple currencies, with options to use it in a browser or host it yourself. Its zero-based method assigns available money to budget categories and shows how much remains to spend. Accounts can hold different currencies while the budget uses one chosen currency. Reports include Money Map, spending, wealth, and scenario views, and users can export a full SQLite backup or CSV bundle. Account syncing can be manual; optional bank sync is in beta through user-connected SimpleFIN in the US and Canada or Enable Banking in Europe. Budgero says data is encrypted on the device before cloud syncing, preventing the service from reading its contents. Cloud workspaces allow up to five people, each with an individual sign-in and master password. Users can import YNAB data through a connection or bring in transactions by CSV. Budgero is open source under AGPL-3.0. Budgero Cloud costs $4 a month, tax included, and includes hosting and automatic updates; self-hosting is free, with hosting and maintenance responsibilities left to the user. A 35-day trial is available.

Who it suits

Budgero suits people who want category-based budgeting, multi-currency accounts, and detailed reports. Its Cloud workspace is designed for shared budgeting among up to five people, while technically capable users can choose the free self-hosted version.

Limits

Budgero Cloud costs $4 a month and supports up to five people per workspace. The free self-hosted version requires you to handle hosting, updates, backups, security, and uptime; optional bank sync is in beta.

Getting started

1. Visit https://budgero.app/.
2. Choose Budgero Cloud at $4 a month or the free self-hosted plan.
3. Use the 35-day trial if starting with Budgero Cloud.
4. Access the app on the web or use one of its listed platforms.
5. Set up accounts and a budget currency, then assign money to categories.
6. Import YNAB data or transactions by CSV if needed.

Verdict

Choose Budgero if you want zero-based budgeting, multi-currency accounts, and shared access for up to five people. Look elsewhere if you need bank syncing beyond the listed beta providers, or do not want to manage hosting when using the free self-hosted option.