I built Budgero because I was frustrated with YNAB. It’s expensive, region-limited (as a non-US/EU user I couldn’t access all features), and not privacy-focused.

Budgero aims to be a lightweight alternative. It is privacy-first: all data is encrypted locally before it ever touches the server. It supports multi-currency budgeting with automatic conversion and works offline, so you can use it anywhere without depending on bank sync. You retain full data ownership with export and delete options. The workflow is similar to YNAB, but with manual entry only.

You can try it here:

Sign up for beta access: https://budgero.app

Demo (no signup, no data saved): https://demo.budgero.app

The app is about 90% complete. I use it daily, but I would love feedback on multi-currency handling, reports, and the overall UX.

Happy to answer any questions about the product, the tech stack, or the roadmap. Feedback of all kinds is welcome.