100% free forever — no trials, no paywalls.

Your Financial Command Center

Your free budget app and expense tracker in one. Imagine never wondering where your money went again. Our dashboard gives you a complete, real-time view of your entire financial life — all in one beautiful, easy-to-understand interface. Free app to use, no limits.

Bajetiyo Dashboard - Complete Financial Overview
Bajetiyo Dashboard - Account Balances and Transactions

See your net worth, recent transactions, budget progress, and savings goals - all at a glance. No more switching between apps or digging through spreadsheets.

Track Every Dollar, Effortlessly

Here's the thing: most finance apps make you do all the work. Not Bajetiyo. Our AI-assisted free expense tracker makes transaction tracking so simple, you'll actually want to do it.

Log expenses in seconds, split transactions across multiple categories (because that Target run had groceries AND household items), and attach receipts for tax season. Our smart categorization learns from your habits, so it gets easier over time.

And here's the best part: Our AI assistant can create transactions for you just by chatting. "I spent $50 on groceries today" - done. No forms, no clicking through menus. Just natural conversation.

Transaction Management Interface Transaction Details and Categorization

Budgets That Actually Work

Let's be real - traditional budgeting is a pain. You set limits, forget about them, and then feel guilty when you overspend. We've changed that.

Set monthly, weekly, or even daily budgets for any category. See real-time progress with beautiful charts and progress bars. Get gentle reminders before you hit your limit, not angry alerts after you've already overspent.

Our budgeting system is flexible, visual, and actually motivating. Watch your progress bars fill up (or stay within limits), and feel good about your financial choices. Budgeting should empower you, not stress you out.

Budget Management Dashboard Budget Progress Tracking

All Your Accounts, One Place

Juggling multiple bank accounts, credit cards, and investment accounts? We've got you covered. See all your accounts in one unified view, track balances in real-time, and understand your complete financial picture.

Whether it's checking, savings, credit cards, or investment accounts, Bajetiyo helps you see the big picture. No more switching between apps or logging into multiple banking websites. Everything you need, right here.

Account Management Account Details

Insights That Actually Help

Numbers are great, but insights are better. Our comprehensive reporting system doesn't just show you where your money went - it helps you understand why and what you can do about it.

Generate beautiful reports on income vs expenses, spending by category, net worth trends, and more. Export to CSV for deeper analysis, or just use our built-in visualizations to spot patterns and opportunities.

Knowledge is power, and with Bajetiyo's reports, you'll have all the knowledge you need to make smarter financial decisions.

Financial Reports Report Analytics

Never Miss a Payment Again

Bills, subscriptions, recurring charges - they add up fast, and it's easy to lose track. Bajetiyo automatically detects recurring transactions and helps you stay on top of everything.

See all your upcoming bills in one place, get reminders before payments are due, and discover subscriptions you forgot about (we all have them). Our smart detection system learns your payment patterns and keeps you informed.

Plus, with our bill negotiation features, you might even save money by finding better deals on your recurring services.

Bills and Subscriptions Subscription Tracking

Save for What Matters

Dreaming of a vacation? Planning for a down payment? Building an emergency fund? Our Piggy Banks feature makes saving visual, motivating, and actually fun.

Create savings goals with target amounts and deadlines. Watch your progress bars fill up as you contribute. Link transfers directly to your goals, and see how close you are to achieving your dreams.

Visual progress tracking is proven to increase savings success. When you can see your progress, you're more likely to stick with it. That's why we made Piggy Banks beautiful and motivating.

Piggy Banks - Savings Goals Savings Progress Tracking

See Your Financial Future

Worried about running out of money? Want to know if you can afford that vacation next month? Our cashflow forecasting feature shows you exactly where your money will be weeks or months from now.

Predict Your Balance, Plan with Confidence

Here's something most finance apps don't do: they tell you where your money went, but not where it's going. Bajetiyo changes that with intelligent cashflow forecasting.

Based on your recurring transactions, upcoming bills, and spending patterns, we project your account balance weeks and months ahead. See exactly when bills are due, how they'll affect your balance, and get alerts if your balance might go negative.

The best part? Our "What-If" simulator lets you play with scenarios. "What if I spend $50 less on groceries each week?" "What if I add a new subscription?" See how changes today affect your future balance.

Plus, we help you figure out if your savings goals are actually achievable. Want to save $5,000 by June? We'll tell you if it's possible based on your current spending, and suggest adjustments if needed.

Cashflow Forecasting Dashboard Cashflow Forecast Projections

Bill Calendar

See all your upcoming bills in a beautiful calendar view. Know exactly when payments are due and how they'll impact your balance. Never get caught off guard by a forgotten bill again.

Negative Balance Alerts

Get warned before your account goes negative. We'll alert you days or weeks in advance if your projected balance might dip below zero, giving you time to adjust your spending or transfer money.

Savings Goal Feasibility

Planning to save for something big? Our system checks if your goal is achievable based on your current income and expenses. If not, we'll tell you how much you need to cut back or save more.

What-If Scenarios

Run unlimited "what-if" scenarios to see how financial decisions today impact your future. Change spending amounts, add new expenses, or simulate a raise - see the impact instantly.

Save Money Without the Hassle

Let's be honest - nobody likes negotiating bills. It's awkward, time-consuming, and you never know what to say. But what if your finance app could do it for you? Well, almost.

Your Personal Bill Negotiation Assistant

We automatically detect when your bills increase and identify negotiation opportunities. But we don't just tell you to call - we give you personalized scripts tailored to your specific provider and situation.

Did your internet bill go up by 15%? We'll detect it, categorize it, and give you a script to negotiate it back down. Haven't negotiated your insurance in 6 months? We'll remind you it's time, with a script ready to go.

Here's how it works:

  • Automatic Detection: We track all your recurring bills and detect price increases
  • Smart Categorization: Automatically categorizes bills (internet, phone, insurance, utilities)
  • Negotiation Scripts: Personalized scripts based on your provider and situation
  • Savings Tracking: Automatically tracks how much you've saved through negotiations
  • Renewal Reminders: Get notified before contracts renew so you can negotiate proactively

Users save hundreds of dollars per year just by negotiating bills they didn't even know they could negotiate. We make it easy, so you actually do it.

Bill Negotiation Assistant Negotiation Scripts and Savings Tracking

Your Financial Health Score

Ever wonder how healthy your finances really are? Most people have no idea. Bajetiyo gives you a clear, actionable score from 0-100, plus personalized coaching to improve it.

Know Your Score, Improve Your Financial Health

Your Financial Health Score is calculated from 5 key metrics that actually matter:

  • Savings Rate: Are you saving enough? (20 points)
  • Emergency Fund: Can you handle unexpected expenses? (25 points)
  • Debt-to-Income Ratio: Is your debt manageable? (20 points)
  • Spending Consistency: Do you have stable spending habits? (15 points)
  • Budget Adherence: Do you stick to your budgets? (20 points)

But here's what makes it special: we don't just give you a number. We give you personalized, actionable tips to improve your score. "Increase your emergency fund by $2,000 to reach 6 months of expenses" or "Your grocery spending is inconsistent - set a weekly budget to improve."

Track your progress: See your score improve over time as you implement our suggestions. Compare yourself to benchmarks and see where you rank among other users. Financial health isn't a mystery anymore - it's a measurable, improvable score.

Financial Health Score Dashboard Financial Health Metrics and Coaching

Find Hidden Subscriptions, Save Automatically

Remember that free trial you signed up for 6 months ago? Or that service you thought you canceled? Our smart subscription detection finds all your recurring charges and helps you manage them.

Detect, Analyze, Optimize

We automatically scan your transactions to detect subscriptions and recurring bills. But we don't stop there - we help you optimize them.

Here's what we do:

  • Automatic Detection: Find subscriptions you forgot about by analyzing your transaction patterns
  • Price Tracking: Track price changes over time - know immediately when a subscription costs more
  • Smart Categorization: Automatically categorize subscriptions (streaming, software, services, etc.)
  • Renewal Reminders: Get notified before subscriptions renew so you can cancel or negotiate
  • Savings Suggestions: Find better deals and alternatives for your current subscriptions
  • One-Click Management: See all your subscriptions in one place with links to cancel or modify

Most people discover they're paying for 3-5 subscriptions they forgot about. We help you find them, evaluate them, and either use them or cancel them. It's like having a subscription auditor working for you 24/7.

Smart Subscription Detection Subscription Management and Optimization

All Tools & AI Features

Every financial tool and AI feature is included — free. Sign up to use them all with no paywalls.

Financial Health Scanner

Upload PDF or CSV bank statements for instant analysis. Get a clear picture of your financial health with one click. Free calculator and scanner.

Subscription Bloodhound

Detect all subscriptions and recurring charges from your transactions. Find forgotten subscriptions, track price changes, and optimize recurring expenses.

Budget Reality Check

See if your savings and budget goals are mathematically feasible. Get a reality check on your targets before you commit. Free budget planner tool.

Debt Destroyer

Compare Avalanche, Snowball, and custom payoff strategies. See timelines and interest savings. Free debt payoff calculator with multiple strategies.

Emergency Fund Calculator

Check your emergency fund adequacy with scenarios. Get a score and personalized recommendations. Free app to use with no limits.

Daily Briefing

Morning financial summary delivered to you. Balances, upcoming bills, and insights at a glance. AI-powered daily digest.

What-If Scenarios

Model financial decisions and see the impact. Change spending, add expenses, or simulate a raise — see results instantly. Free scenario simulator.

Tax Optimizer

Deduction finder and tax optimization. Flag potential deductions and optimize your tax position. Free tax planning tool.

AI Chat

Natural-language finance assistant. Create transactions, ask questions, set budgets, and get insights by chatting. Powered by Google Gemini — free to use.

Get Started Free — Use All Tools

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