Know today what you will have tomorrow.

See where your money is taking you.

A real calculation: €1,000 to start with, €2,200 of income and €1,600 of expenses a month, and an unexpected expense of €1,500. In a year, you have €6,700 left, the unexpected expense included.

With nothing unexpected, it would be €8,200. With €150 of spending money each month, it is €4,900: Budgiva shows you the real-life figure.

No need to record every expense.

Your income, your fixed expenses, what you set aside: you write them down once. The rest becomes your spending money, and your monthly balance check tells you whether it was enough.

For example: €2,200 of income, €1,600 of fixed expenses and €150 of spending money, so €450 set aside each month. The coffee, the birthday present, the small transfer to family: you no longer have to write them down.

Three steps, and the curve answers.

1. Note what you have

   The total of your accounts, your income, your fixed expenses: by hand, or out loud.

2. See it coming

   What you will have left, month after month. If it stops adding up, Budgiva tells you when.

3. Try things out

   Pause an expense, or aim for an amount by a given date: Budgiva answers straight away.

Write a sentence. The lines fill themselves in.

In writing or out loud, the AI agent suggests the lines. You deselect what you do not want to keep; nothing is saved until you confirm. It never gives advice.

A calculator answers once. Budgiva stays with you.

Life always drifts a little from the plan. Budgiva shows you by how much.

• One number a month

  The total of your accounts: it tells you whether your spending money was enough. If you forget, an e-mail with no amounts in it reminds you.

• Planned versus actual

  Each month, the gap between what you planned and what you actually have.

• What builds up

  Each month you record adds to the ones before: your history grows, year after year.

What Budgiva does not do.

No bank to connect.

You enter your amounts yourself, by hand or with the agent.

No advice.

Budgiva describes your figures. It suggests no investments and no financial products.

No trackers, no reselling.

No advertising cookies, no audience measurement. Your figures are never sold, rented out or used to train an AI.

No red tape to leave.

You erase your data from Settings, straight away, with no reason to give and no one to write to.

What it costs.

7 days free. Twelve months cost a third less.

Payment is not open yet: until then, everything is free.

• 3 months

  €12 a month, €36 for the quarter.

• 6 months

  €10 a month, €60 for six months.

• 12 months

  €8 a month, €96 for the year.

What the subscription changes

Messages to the agent per month: 15, then 300. Monthly income and expenses: 20, then 100. One-off expenses: 6, then 200. Saved scenarios: 1, then 20. Without paying, these four allowances stay yours for good.

Start with a single number.

The total of your accounts, and the curve appears. The rest, whenever you like.

Create an account