Core Features & Modules
- FinChat (WhatsApp AI Agent): Text, voice note, and receipt logging natively inside WhatsApp.
- AI Receipt & Bill OCR Scanner: Line-item OCR that categorizes each line item into spending categories.
- Voice Expense Tracking: Hands-free voice speech logging in any language.
- Bank SMS Sync: Optional on-device bank SMS parsing on iOS and Android.
- SplitBuddy: Group expense splitting, non-user dummy accounts, and auto-ledger sync.
- Family Finance: Separate personal accounts plus Family Sync for shared expenses and household accounts.
- Smart Custom Budgeting: Category spending limits and rollover budgets.
- Planned Payments: Bill calendar reminders and cash-flow forecasting.
- Financial Health & Insights: Savings rate scoring, debt ratio, and historical backtesting.
- Desktop Web Portal: Desktop analytics workspace at usebudgetos.com/web.
- Zero-Knowledge Security: End-to-end encryption with client-held keys.