No. 69of 181 ·Personal Finance Software

Bufy

Web · API· paid plans from €4.99/mo

Freedom report

Two barsScore 6.7

Free tierA free tier is on its own pricing page
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

Bufy is ranked #69 of 181 in personal finance software on Freedom251, made by Bufy (Tallinn, Estonia). It runs on API, Web. There is a free plan. A free trial is offered. Paid plans start at €4.99/mo.

Bufy plans and pricing

All plans

Free Free forever Invite-only access during current rollout · Weekly budget tracking · Transactions and recurring payments · Investment and credit tracking · AES-256 zero-knowledge encryption bufy.eu · 11 Oct 2026

Pro €4.99/mo Save €10/year with annual billing (€49.99/year) Coming soon · Advanced insights and reporting · More automation and premium tools bufy.eu · 11 Oct 2026

Family €14.99/mo Save €30/year with annual billing (€149.99/year) Coming soon · 4 Pro accounts included · Priority support · Family budget management and coordination bufy.eu · 11 Oct 2026

Compared on personal finance software

Free plan: Yes
Budgeting tools: Yes
Bill tracking: Yes
Account sync: manual
Report export: Yes

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The record

Purpose: Bufy is an encrypted personal budgeting app that calculates how much users can spend after bills, savings, and fixed commitments.
Budget tracking: It recalculates daily, weekly, and monthly budget positions from transactions, carrying overspending forward and rolling underspending into later periods.
Bills: Users can track upcoming bills, subscriptions, and recurring payments with due dates, amounts, and paid or pending status.
Investments and credit: The app supports investment tracking with XIRR calculations and credit card usage tracking.
Budget methods: The user guide describes configuring Bufy for Anti-Budget, 50/30/20, Zero-Based, Envelope, Pay Yourself First, or Kakeibo budgeting.
Bank connections: Bufy says it works without bank connections and its investment tracker does not fetch live prices, so investment values are updated manually.
Integrations and API: Bufy publishes an integration reference for building mobile clients, automation, exports, or dashboards using Bufy data.
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.
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.
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.
Access and age: The service is currently invite-only, and its terms require users to be at least 16 years old.
Support: The maker invites users to contact it with questions or for a live walkthrough and says it replies personally.
Company: Bufy is built in Estonia by OÜ Digitechnology, registered at Seebi tn 1-703, Tallinn, Harjumaa.
Headquarters: Tallinn, Estonia
Price from: €4.99/mo

Where it ranks on Freedom251

Best Personal Finance Software in 2026#69 of 181

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Sources

bufy.eu/en· checked 11 Oct 2026
bufy.eu/en/tutorial· checked 11 Oct 2026
bufy.eu/en/api· checked 11 Oct 2026
bufy.eu/en/privacy· checked 11 Oct 2026
bufy.eu/en/terms· checked 11 Oct 2026