Beta 2026

Know exactly what's really yours.
To the cent.

BudgetHQ works out your safe-to-spend figure after VAT, tax advances, and scheduled payments โ€” separately for each company. Personal, family, business in one account, without mixing data.

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 Zero tracking of transaction content
Three worlds, one account

Your personal and business money is one pocket.
Every other tool pretends it isn't.

Personal apps ignore the company; invoicing tools ignore your life. BudgetHQ keeps the three worlds separate โ€” but knows that a transfer from your company to you is a transfer, not income. That is why the numbers add up.

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

As much depth as your role needs. Not one field more.

Solo sees their safe-to-spend figure. Family โ€” a shared budget. Business โ€” approvals and audit. Same engine, different view.

  • Transactions

    A company-to-personal transfer is a transfer โ€” not income.

    BudgetHQ recognizes moves between workspaces, so it never inflates personal income or company costs. Multi-currency, per-member, export in two clicks.

    Learn more โ†’
  • Approvals

    Multi-step sign-off with the audit log finance asks for at year-end.

    Spending thresholds route to the right approver. Every sign-off recorded โ€” immutable, exportable.

    Learn more โ†’
  • Analytics

    Not charts for charts' sake โ€” a signal that something needs you.

    Month-over-month trends with drill-down to source. They show what changed and where, so you don't have to go looking.

    Learn more โ†’
  • AI

    AI tells you what the numbers mean โ€” it doesn't make them up.

    Your safe-to-spend figure, balances, reserves โ€” arithmetic you can check line by line. AI adds the narration: what changed, what to watch this month. Opt-in, when you click.

    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

Dedicated EU cloud (Frankfurt) + 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

Status moves when the work ships โ€” not when marketing says so.

A live work stream: in progress, coming soon, later. You see where we actually stand before you sign up.

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

Personal is free forever.
You pay when BudgetHQ starts working for your company.

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

Personal, the Pro tier.

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

Finance teams.

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

No card, no trial trap. You unlock Pro and Business when you actually need them. Full pricing โ†’

Early access

Every feature reaches a small circle first.

Want in? Drop your email โ€” I'll reach out when the next thing hits early access. No spam, no newsletter for the sake of it.