100% free forever. No trials, no paywalls, no signup fee — a free app to use with AI-assisted budgeting and ML-powered insights.
Track budgets, bills, and transactions with modern budgeting tools. Free expense tracker and financial tools at your fingertips.
Join a growing community of users taking control of their finances
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Explore your free budget app with AI and modern tools — manage your finances effortlessly
Free budgeting, bills, transactions & reports. We get it — managing money can be overwhelming. That's why we built Bajetiyo to be powerful yet simple, comprehensive yet intuitive. Here's what makes it special:
Track every dollar, because knowing where your money goes is the first step to controlling it. Split transactions, attach receipts, and categorize with ease. We make it simple, so you can focus on what matters.
Set budgets that actually work, with real-time tracking and beautiful visualizations. See exactly how much you have left to spend, and get alerts before you overspend. Budgeting shouldn't be a guessing game.
Manage all your bank accounts, credit cards, and assets in one place. Track balances, see transactions across accounts, and get a complete picture of your financial health. No more logging into multiple banking apps.
Understand your spending patterns with beautiful, insightful reports. See where your money goes, track trends over time, and make data-driven decisions. Knowledge is power, and we give you all the knowledge you need.
Never miss a payment, and discover subscriptions you forgot about. We automatically detect recurring charges and help you stay on top of all your bills. Let's be honest - you probably have subscriptions you forgot about.
Save for what matters with visual progress tracking. Whether it's a vacation, emergency fund, or that dream purchase, watch your savings grow with beautiful progress bars and motivating visuals.
See your financial future with intelligent forecasting. Predict balances weeks ahead, run what-if scenarios, check savings goal feasibility, and get alerts before your balance goes negative.
Save money automatically with personalized negotiation scripts. We detect price increases, suggest when to negotiate, provide scripts tailored to your provider, and track your total savings.
Get a clear 0-100 score of your financial health based on 5 key metrics. Receive personalized coaching tips, track progress over time, and see how you compare to benchmarks.
Automatically detect all your subscriptions and recurring bills. Track price changes, get renewal reminders, find forgotten subscriptions, and optimize your recurring expenses.
Machine learning and AI in one free budget app. But what if your finance app could actually talk to you? What if you could ask questions in plain English and get real answers? What if you could create transactions, set budgets, and get insights just by chatting?
That's exactly what our AI-powered assistant does. Powered by Google's Gemini AI, it understands context, learns your habits, and actually helps you manage your money - not just shows you numbers.
Chat with your finances like you're talking to a friend. "How much did I spend on coffee this month?" "Create a budget for groceries." "Show me my biggest expenses." It just works.
Our AI doesn't just answer questions - it takes action. Ask it to create a transaction, set a budget, or categorize expenses, and it does it. No forms, no clicking, just results.
The AI knows your accounts, your budgets, your recent transactions, and your spending patterns. It gives you personalized advice based on YOUR financial situation, not generic tips.
Instead of waiting for you to ask, our AI notices patterns and suggests improvements. "You're spending more on dining out this month" or "You're close to your grocery budget limit."
This isn't just a chatbot. It's a financial assistant that understands you, learns from you, and helps you make better money decisions. It's like having a financial advisor in your pocket, available 24/7.
There are plenty of finance apps out there. Here's why Bajetiyo stands out:
While other apps make you fill out forms and navigate complex menus, Bajetiyo lets you chat naturally. Our AI understands context and takes action, not just answers questions.
Self-hosted option means your financial data stays on your server. No third-party companies mining your spending habits. Complete data sovereignty and privacy.
No artificial limits on transactions, budgets, or accounts. Use the app the way you want, without hitting arbitrary caps. Your finances shouldn't be limited by software.
We've spent countless hours making Bajetiyo not just functional, but beautiful. Clean interfaces, thoughtful design, and a user experience that actually makes sense.
Set up rules that automatically categorize transactions, apply budgets, and organize your finances. Let the app do the heavy lifting while you focus on what matters.
See your financial future with intelligent cashflow forecasting. Predict balances weeks ahead, run what-if scenarios, and never be surprised by a low balance again.
Save money automatically with our bill negotiation assistant. Get personalized scripts, track price increases, and save hundreds per year without the hassle.
Get a clear 0-100 score of your financial health with personalized coaching tips. Track progress over time and see exactly how to improve your finances.
Automatically find hidden subscriptions, track price changes, and get renewal reminders. Discover forgotten charges and optimize your recurring expenses.
Manage finances across multiple currencies seamlessly. Perfect for travelers, expats, or anyone dealing with international transactions. Your money, your currencies.
Every tool and intelligence feature is included — free. Sign up to use them all.
Upload PDF or CSV statements for instant analysis. Get a clear picture of your financial health with one click. Available after free signup.
Detect all subscriptions and recurring charges from your transactions. Find forgotten subscriptions and track price changes. Free calculator included.
See if your savings and budget goals are feasible. Get a reality check on your targets before you commit. Free budget planner tool.
Compare Avalanche, Snowball, and custom payoff strategies. See timelines and interest savings. Free debt payoff calculator.
Check your emergency fund adequacy with scenarios. Get a score and recommendations. Free app to use with no limits.
Morning financial summary delivered to you. Balances, upcoming bills, and insights at a glance. AI-powered daily digest.
Model financial decisions and see the impact. Change spending, add expenses, or simulate a raise — see results instantly. Free scenario simulator.
Deduction finder and tax optimization. Flag potential deductions and optimize your tax position. Free tax planning tool.
Natural-language finance assistant. Create transactions, ask questions, set budgets, and get insights by chatting. Powered by Google Gemini — free to use.
Read our latest articles about personal finance and budgeting
Bajetiyo is built with love and kept free so everyone can master their money. I pay for the AI, servers, and email delivery myself. If the app is helping you, consider buying me a coffee on Ko-fi. Your support helps keep Bajetiyo free and sustainable for everyone.
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