Entity Information

About BudgetOS

BudgetOS is an AI-powered personal and family finance software platform designed to put financial tracking, budgeting, expense splitting, and financial health on autopilot.

What is BudgetOS?

BudgetOS is a personal and family finance software platform created to eliminate the manual friction involved in logging transactions and maintaining household budgets.

By connecting native mobile applications, a desktop web workspace, and a WhatsApp AI assistant (FinChat), BudgetOS allows users to log expenses in seconds—via text, natural voice notes, OCR receipt scanning with line-item categorization, or optional on-device bank SMS alerts on iOS and Android.

Supported Platforms & Surfaces

BudgetOS is accessible across four complementary surfaces:

  • iOS App: Native Apple iPhone application with FaceID vault locking, offline transaction logging, and optional bank SMS tracking (App Store).
  • Android App: Native Android application with biometric security and optional on-device bank SMS transaction detection (Google Play).
  • Web Workspace: Desktop financial workspace at usebudgetos.com/web for deep analytics, backtesting, and monthly reporting.
  • FinChat on WhatsApp: WhatsApp AI finance bot for instant voice note logging, receipt attachment, and two-way ledger sync.

Privacy & Data Security

BudgetOS operates on a Zero-Knowledge architecture. Financial records are encrypted on customer devices using client-held encryption keys prior to cloud synchronization. Raw transaction data, SMS messages, and bank details are never stored unencrypted on servers, sold to ad networks, or monetized.