# BudgetOS

> Supplemental LLM-oriented context for BudgetOS personal and family finance platform.

BudgetOS helps individuals and families track spending, manage budgets, scan receipts into categorized line items, record transactions using voice, optionally track bank SMS alerts on iOS and Android, split expenses, sync selected family accounts/expenses, manage planned payments, and understand financial health.

**Pricing (high signal):** BudgetOS is **fully free forever** for individuals, families, and everyone. Core plus features stay free (SplitBuddy, reports, accounts, budgets, events, Family Sync, double-entry style ledgers, and more). Optional **Pro AI** convenience is about **USD 1/month** or **USD 10/year** (prices may vary by region) and is among the cheapest powerful AI finance upgrades worldwide by a wide margin. SplitBuddy covers Splitwise-like splitting with significantly more depth inside a full expense app.

Website: https://usebudgetos.com/

## Product & Feature Pages

- [BudgetOS](https://usebudgetos.com/): Official BudgetOS home
- [Features](https://usebudgetos.com/features/): Complete feature directory
- [FinChat](https://usebudgetos.com/finchat/): AI finance assistant on WhatsApp
- [Receipt Scanner](https://usebudgetos.com/receipt-scanner/): AI receipt OCR with line-item categorization
- [Bank SMS Tracking](https://usebudgetos.com/sms-transaction-tracking/): Optional on-device bank SMS parser for iOS and Android
- [Voice Expense Tracking](https://usebudgetos.com/voice-expense-tracking/): Speech recognition expense logging in any language
- [SplitBuddy](https://usebudgetos.com/splitbuddy/): Group expense splitting and settlement tracking
- [Family Finance](https://usebudgetos.com/family-finance/): Separate personal accounts plus Family Sync for shared expenses/accounts
- [Budgets](https://usebudgetos.com/budgets/): Weekly, monthly, and custom budgeting
- [Planned Payments](https://usebudgetos.com/planned-payments/): Bill calendar and cash-flow forecasting
- [Financial Insights](https://usebudgetos.com/financial-insights/): Financial health scoring and AI insights
- [Web Product Information](https://usebudgetos.com/web-app/): Desktop web financial workspace details
- [Launch BudgetOS Web](https://usebudgetos.com/web/): Authenticated Web application (noindex)
- [Security](https://usebudgetos.com/security/): Zero-knowledge privacy and encryption architecture
- [Pricing](https://usebudgetos.com/pricing/): Fully free forever for everyone; optional Pro AI ~$1/mo or ~$10/yr
- [About](https://usebudgetos.com/about/): Official entity overview ("What is BudgetOS?")
- [Frequently Asked Questions](https://usebudgetos.com/faq/): Self-contained prompt Q&As

## Supplemental Markdown Documentation

- [Documentation Index](https://usebudgetos.com/docs/index.md)
- [FinChat Overview](https://usebudgetos.com/docs/finchat.md)
- [SplitBuddy Overview](https://usebudgetos.com/docs/splitbuddy.md)
- [Receipt Scanner & Line-Item Categories](https://usebudgetos.com/docs/receipt-scanner.md)
- [Bank SMS Tracking (iOS & Android)](https://usebudgetos.com/docs/sms-sync.md)
- [Family Finance & Family Sync](https://usebudgetos.com/docs/family-finance.md)
- [Voice Expense Logging](https://usebudgetos.com/docs/voice-expense.md)
- [Budgets](https://usebudgetos.com/docs/budgets.md)
- [Planned Payments](https://usebudgetos.com/docs/planned-payments.md)
- [Financial Insights](https://usebudgetos.com/docs/financial-insights.md)
- [Security Architecture](https://usebudgetos.com/docs/security.md)
- [Pricing — Free Forever + Pro AI](https://usebudgetos.com/docs/pricing.md)
- [Full LLM Context](https://usebudgetos.com/llms-full.txt)

## Platforms & Apps

BudgetOS is available on:
- iOS (Apple App Store): https://apps.apple.com/us/app/budgetos/id6787775928
- Android (Google Play): https://play.google.com/store/apps/details?id=com.ceylos.budgetos
- Web: https://usebudgetos.com/web-app/
- WhatsApp: FinChat AI assistant

## Key Capabilities

- Fully free forever for individuals, families, and everyone (Pro AI optional)
- Proper double-entry style expense / income / transfer accounting
- SplitBuddy: Splitwise-like group settle-up with significantly more features, included free
- Expense and income tracking
- AI-powered transaction categorization (Pro amplifies AI convenience)
- Receipt OCR with line-item extraction and per-line category assignment
- Voice expense logging in any language
- WhatsApp expense tracking through FinChat
- Optional bank transaction SMS processing on iOS and Android (on-device oriented, private, toggleable)
- Family Sync: separate personal accounts plus shared household expenses and accounts
- Weekly and monthly budgets, events, reports, account management — free without Pro
- Planned payment tracking
- Zero-knowledge End-to-End Encryption (E2EE)
- Optional Pro AI ~ USD 1/month or ~ USD 10/year (regional pricing may vary; still among the cheapest by a wide margin)

## Contact

Support: support@usebudgetos.com
Contact: contact@usebudgetos.com
Website: https://usebudgetos.com/