About Budgiva
Budgiva exists for a single question: what you will have left, month after month.
Last updated: 26 September 2026
Why Budgiva
Knowing where last month’s money went does not tell you what will be left in six months. Budgiva starts from what you already know — what you have in your accounts, your income, your expenses, what happens only once — and shows what you will have left, month after month, up to five years ahead. An unexpected expense, a pay rise, a plan: you add it, and everything is recalculated before you have decided.
It does so without any bank connection. You enter your amounts yourself, by hand or in a single sentence to the AI agent: nothing to link, nothing to authorise.
Life always strays a little from the plan. So Budgiva asks you for a single figure each month, the total of your accounts, and shows you the gap between what you had planned and what actually happened. A projection is not a forecast: it assumes that your amounts stay as you entered them.
What Budgiva commits to
When two choices conflict, Budgiva always decides in the same order: accurate calculations first, then the privacy of your data, then simplicity.
- Figures that are calculated, never invented. Every amount displayed is calculated from what you have entered. The AI agent never guesses an amount and never compares you with any average.
- No bank connection. You enter your amounts yourself; Budgiva never asks for access to an account.
- No advice. Budgiva describes your figures. It recommends no investment and no financial product.
- The AI agent suggests, you decide. Nothing is saved, changed or deleted without your confirmation.
- No advertising, no trackers, no reselling. Your figures are never sold, never rented out and never used to train an AI.
- Your figures are stored in the European Union, in Ireland — with one exception, stated plainly: what you write or dictate to the AI agent goes to OpenAI, in the United States, to be read there. The privacy policy details what is sent, and to whom.
- Leaving is simple. Your data can be erased from Settings, straight away, with no reason to give.
- A single model: subscription. When Budgiva starts charging, it will be through a subscription, never through advertising or your data. Until then, everything is free.
Who makes Budgiva
Budgiva was born from a family budget, and from an observation: nobody manages to record every day-to-day expense for long. So the method is different: note once what comes back every month, keep some spending money aside for everything else, and look once a month at what was really left. Budgiva makes that method simple.
Budgiva is published by a private individual, on a non-professional basis. It is neither a bank, nor a financial institution, nor an adviser: the details are in the terms of use.
A question, a comment, an error you have spotted: contact@budgiva.com.
See what you will have left: try Budgiva.