The whole family, one ledger. Scan a bill, send a voice note on WhatsApp, or just live your life — BudgetOS catches every rupee, categorizes it, and tells you exactly where your money is going.
Finance on autopilot.
Whether you're at the supermarket, in a meeting, or already in bed — BudgetOS captures every rupee from every angle. You just live.
Point, shoot, done. Every line item is parsed and dropped into the category you decide. Edit one, learn forever.
Driving, cooking, holding a baby — just press the mic and describe the spend. It lands in your ledger before you set the phone down.
Text or send a voice note — "split 4,500 between groceries and dining, paid from cash" — and FinChat writes it back to your books. No new app to open, no login friction.
Optional on iOS and Android. When enabled, we watch your transaction SMS in the background, identify debits and credits, and pre-fill them for a one-tap confirm. Or fully auto, your call. 100% secure: only transaction SMS from allowed banks are analyzed locally on your device — turn it off anytime.
FinChat is a WhatsApp-native AI that handles the boring 90% of personal finance — recording transactions, snapping bills, splitting costs — so you can spend your attention on the 10% that actually matters.
Send a 12-second voice note. Get a logged, categorized, tax-aware entry.
Edit on the app, see it on WhatsApp. Edit on WhatsApp, see it on the app. Always consistent.
Tell FinChat once that "Keells = Groceries" and it remembers for every future bill. Forever.
Add 2,400 for groceries at Keells, paid from cash
14:02Got it 👍 Logging LKR 2,400 · Keells → Groceries · Cash
14:02 ✓✓🎙️ "Split that 1,800 dinner with Nimal, he paid half"
14:04Created two entries:
· Dinner LKR 900 · Dining · Cash
· Dinner LKR 900 · Dining · Receivable · Nimal
📎 receipt.jpg
14:06Scanned 14 line items · Total LKR 5,592.47 · Confidence 95% · ready to confirm in app
14:06 ✓✓Family, friends, sports teams, roommates — split any expense and settle without the hassle. Friends don’t even need BudgetOS.
Native iOS, native Android, a full Web workspace, and a WhatsApp agent. Pick up on one, continue on another — your data flows in real time, encrypted end-to-end.
Native, fast, FaceID-locked.
App Store →
Material You, biometric vault.
Google Play →
FinChat agent — always one tap away.
Full workspace for deep analysis.
Open Web →
Every byte of your financial data is encrypted on-device before it ever leaves your phone. We can't read it, your bank can't see it, and neither can anyone who isn't explicitly invited into your family vault.
Invite your partner, your parents, your kids. Everyone gets their own view, the family gets the shared picture — free for the whole household. Pro unlocks powerful AI features when you want them.
The basics are effortless. The advanced stuff is here when you want it — and it's actually fun to play with.
Documents-grade scoring on savings rate, debt service ratio, emergency runway and more. Track yourself over months, not days.
Replay your real spending against "what if I'd cut dining by 30%?" and see the future-you balance, in actual numbers.
Multi-dimensional breakdowns: by category, account, time, person, event. Exportable, shareable, beautiful.
An auto-generated month-end letter that actually reads like a letter — written by an AI that knows your money.
Tag a trip, wedding, renovation — and see exactly what it cost. "Bali 2026 = LKR 412,000" just shows up.
See this month, next month, and the month after. Rent, school fees, subscriptions — never surprised by a due date.
Made with ♥ for families everywhere.
— The BudgetOS team
Fully free forever for individuals, families, and everyone. Optional AI Pro features are less than $1 a month.
Open Web Portal usebudgetos.com/web