Beta 2026

Your finances.
The full map, not just the balance.

Banking, budgets, forecasts, and approvals in one workspace. Personal, family, business โ€” without mixing data. Self-host or private EU cloud.

Try the demo Explore the product โ†“
0languages
0workspace types
0data outside EU
budgethq.app ยท dashboard
Your workspacePersonal ยท $184k
DashboardTransactionsBudgetsAnalytics
Live overviewDashboard
Income $12 480
Expenses $4 059
Net +$8 420 โ–ฒ 4.8%
Net worth ยท 7 months$184 250
GoalHawaii ๐ŸŒด
$3,240 / $6,000
Approval pending
KMYou
AWS ยท $8,400
AI consoleโšก only when you click
Building in public First accounts ยท 2026 Free forever ยท no card EU region ยท GDPR by default Self-host: JDK 26 + Postgres
Three worlds, one account

One account. Three workspace types.
No data mixing.

Personal + family + business โ€” all under one login. The cross-workspace dashboard shows the full picture. Editing always happens in context.

โ—†
PersonalFree forever

Your ledger, your charts, your goals. Nothing more โ€” and nothing less.

  • Unlimited accounts
  • 12-month net-worth trend
  • Lightweight exports
โ—
FamilyFamily tier

A shared ledger for partner + adults + kids. Everyone sees only what they should.

  • Up to 5 members per workspace
  • Kid mode โ€” safe views
  • Shared budgets and goals
โ–ฃ
BusinessBusiness tier

Vendor management, approval chains, cost centers. Without the SAP gravity.

  • Roles and permissions (RBAC)
  • Approvals with audit
  • GDPR + DPA export
What you get

Everything in one workspace.

Connect your accounts and BudgetHQ does the heavy lifting. From there: track, approve, analyze โ€” at the depth your role needs.

  • Transactions

    Every transaction, in its place.

    Every line tagged + filterable. Multi-currency, per-member, exportable in two clicks.

    Learn more โ†’
  • Approvals

    Multi-step sign-off with a full audit trail.

    Spending thresholds + multi-step sign-off + the audit log finance asks for at year-end.

    Learn more โ†’
  • Analytics

    Spending patterns surfaced automatically.

    Spending patterns surface themselves โ€” month-over-month trends + drill-down to source.

    Learn more โ†’
  • AI

    AI only when you ask.

    Forecasts, anomaly alerts, plain-language summaries โ€” AI surfaces what matters this month, you decide what to do.

    Learn more โ†’
AllIncomeExpenses
  • Salary โ€” AcmeIncome ยท May 12
    +5 200,00 zล‚
  • Whole FoodsGroceries ยท May 11 ยท โ€ขโ€ข42
    โˆ’84,30 zล‚
  • Vanguard transferInvestments ยท May 10
    โˆ’1 000,00 zล‚
  • Climate refundRefund ยท May 9
    +120,00 zล‚
Trust and security

How we handle your data โ€” no legalese.

EU data residency

Frankfurt-hosted Droplet + Brevo (FR). GDPR by default.

TLS 1.3 everywhere

Let's Encrypt + at-rest encryption. Zero plaintext on the wire.

GDPR built in

Access, rectification, deletion, portability โ€” in the product, not in an email.

A thin vendor list

Brevo ยท Better Stack โ€” each with a written DPA.

Compliance roadmap

SOC 2 + ISO 27001 on the roadmap before public beta. Not marketing โ€” audit.

Public roadmap

What's next โ€” no hiding.

Our public work stream. Features move between "In progress" and "Planned" as real work happens โ€” not marketing.

In progress4 items
  • WorkspacesPersonal + Family + Business in one account
  • PersonalizationThemes, accents, density โ€” your product looks the way you want
  • AI insightsAnomalies, summaries, "what changed" reports
  • Open BankingPSD2 / Tink โ€” no CSV imports
Coming soon3 items
  • Smart budgetsNudges as you approach the limit
  • Savings goalsProgress, motivation, contribution
  • Approvals chainBusiness only โ€” multi-step sign-off
Later3 items
  • Net-worth trackingAssets โˆ’ liabilities, monthly snapshot
  • Receipt OCRSnap a photo โ†’ transaction populated
  • CryptocurrenciesBTC, ETH, stablecoins alongside fiat
Pricing

Pay only for what you use.
Or stay on Free.

FreeForever

Your personal ledger.

  • โœ“Unlimited accounts
  • โœ“12-month charts
  • โœ“Light + Dark themes
FamilySoon

For households and partners.

  • โœ“Up to 5 members
  • โœ“Kid mode
  • โœ“Shared goals
ProSoon

Power user.

  • โœ“AI insights
  • โœ“All themes
  • โœ“Custom dashboard
BusinessSoon

Finance teams.

  • โœ“Approvals
  • โœ“Audit + RBAC
  • โœ“DPA export

We'll announce prices when paid plans launch. Full pricing โ†’

Early access

Be the first to know.

We ship each feature behind closed doors first. Drop your email โ€” we'll send a heads-up when the next one's live for early access.