Freedom251 › Personal Finance Software
Bufy
by Bufy
What Bufy is
Bufy is an encrypted personal budgeting app from a maker based in Tallinn, Estonia. It calculates how much users can spend after bills, savings, and fixed commitments, recalculating daily, weekly, and monthly positions from transactions. Overspending carries forward, while underspending rolls into later periods. Users can record bills, subscriptions, and recurring payments with due dates, amounts, and paid or pending status. Investment tracking includes XIRR calculations, and credit-card usage can be tracked. The guide describes Anti-Budget, 50/30/20, Zero-Based, Envelope, Pay Yourself First, and Kakeibo methods. Account sync is manual: Bufy works without bank connections, and investment values must be updated manually because live prices are not fetched. Reports can be exported, and an integration reference supports mobile clients, automation, exports, or dashboards using Bufy data. The maker says financial data is encrypted in the browser with AES-256-GCM before transmission, followed by another server-side layer. Recovery uses a 24-word code because email password reset is impossible by design. Bufy says it does not sell personal data, is GDPR compliant, and hosts in the EU. Access is currently invite-only, and users must be at least 16. Free is €0.00 forever; Pro is €4.99 per month and Family €14.99 per month, both marked coming soon.
Who it suits
Bufy suits people who manually manage budgets, bills, investments, and credit usage and want encrypted browser-based data handling. Current access is invite-only, and the service requires users to be at least 16.
What it does well
- Daily, weekly, and monthly budget calculations
- Tracks bills and recurring payments
- Supports multiple budgeting methods
- AES-256-GCM browser encryption
- Exportable reports and integration reference
What to know first
- Invite-only access during rollout
- Bank and investment updates are manual
- Email password reset is unavailable
- Paid plans marked coming soon
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Free | forever · Invite-only access during current rollout · Weekly budget tracking · Transactions and recurring payments · Investment and credit tracking · AES-256 zero-knowledge encryption | Free |
| Pro | Save €10/year with annual billing (€49.99/year) · Coming soon · Advanced insights and reporting · More automation and premium tools | €4.99 a month |
| Family | Save €30/year with annual billing (€149.99/year) · Coming soon · 4 Pro accounts included · Priority support · Family budget management and coordination | €14.99 a month |
As bufy.eu lists them, read 11 Oct 2026. The maker's own page has the final word.
Verdict
Bufy combines detailed budgeting, bill tracking, and manual investment records with encrypted data handling. Consider the invite-only rollout, manual account updates, and recovery-code requirement before signing up.
Facts from Bufy's own pages
- Access and age
- The service is currently invite-only, and its terms require users to be at least 16 years old. · bufy.eu, 11 Oct 2026
- Account sync
- manual · bufy.eu, 22 Sept 2026
- Bank connections
- Bufy says it works without bank connections and its investment tracker does not fetch live prices, so investment values are updated manually. · bufy.eu, 11 Oct 2026
- Bills
- Users can track upcoming bills, subscriptions, and recurring payments with due dates, amounts, and paid or pending status. · bufy.eu, 11 Oct 2026
- Bill tracking
- Yes · bufy.eu, 22 Sept 2026
- Budgeting tools
- Yes · bufy.eu, 22 Sept 2026
- Budget methods
- The user guide describes configuring Bufy for Anti-Budget, 50/30/20, Zero-Based, Envelope, Pay Yourself First, or Kakeibo budgeting. · bufy.eu, 11 Oct 2026
- Budget tracking
- It recalculates daily, weekly, and monthly budget positions from transactions, carrying overspending forward and rolling underspending into later periods. · bufy.eu, 11 Oct 2026
- Company
- Bufy is built in Estonia by OÜ Digitechnology, registered at Seebi tn 1-703, Tallinn, Harjumaa. · bufy.eu, 11 Oct 2026
- Encryption
- The maker says financial data is encrypted in the browser before transmission using AES-256-GCM, with a password-derived key and a second server-side encryption layer. · bufy.eu, 11 Oct 2026
- Free plan
- Yes · bufy.eu, 22 Sept 2026
- Headquarters
- Tallinn, Estonia · bufy.eu, 28 Sept 2026
- Integrations and API
- Bufy publishes an integration reference for building mobile clients, automation, exports, or dashboards using Bufy data. · bufy.eu, 11 Oct 2026
- Investments and credit
- The app supports investment tracking with XIRR calculations and credit card usage tracking. · bufy.eu, 11 Oct 2026
- Privacy and hosting
- Bufy says it does not sell personal data, is GDPR compliant, and hosts its service in the EU; its privacy policy notes that some providers may process limited technical data outside the EU/EEA with safeguards. · bufy.eu, 11 Oct 2026
- Purpose
- Bufy is an encrypted personal budgeting app that calculates how much users can spend after bills, savings, and fixed commitments. · bufy.eu, 11 Oct 2026
- Recovery limit
- Account recovery uses a 24-word code, and the maker says email password reset is impossible by design because it cannot decrypt users’ data. · bufy.eu, 11 Oct 2026
- Report export
- Yes · bufy.eu, 22 Sept 2026
- Support
- The maker invites users to contact it with questions or for a live walkthrough and says it replies personally. · bufy.eu, 11 Oct 2026
Where Bufy stands on Freedom251
- Personal Finance Software#94 of 181