# Budgey

> Budgeting for all — intuitive, effortless & liberating.

Budgey is a personal budgeting app available on iOS, Android, and Web. It helps people feel confident in their finances by making budgeting simple: just tell us what you spend money on and when you get paid, and we do the rest. Budgey is agent-ready: AI agents can read and manage a user's budget through Budgey's MCP server.

## For AI Agents (MCP)

Budgey exposes its full budgeting toolset to AI agents over the Model Context Protocol:

- **MCP endpoint**: `https://www.budgeyapp.com/mcp` (Streamable HTTP, stateless)
- **One-click auth (preferred)**: OAuth 2.1 with PKCE — add the MCP URL as a custom connector; a browser window opens for sign-in and **Allow access**. Metadata: `https://www.budgeyapp.com/.well-known/oauth-authorization-server`
- **Auth fallback**: `Authorization: Bearer budgey_sk_...` — users create API keys at https://www.budgeyapp.com/account/agents
- **Setup guide**: https://www.budgeyapp.com/developers (Claude Connectors, Claude Code, Cursor, ChatGPT, Grok, generic MCP clients)
- **Consent page**: `https://www.budgeyapp.com/oauth/mcp/consent`
- **70+ tools**: read budget summaries and spending analysis, add/update/search transactions, manage categories, goals, recurring transactions (Loops), budget periods and paychecks, review bank-sync inboxes, run budget audits, simulate scenarios, and remember user preferences — the same tools Budgey's in-app assistant (BaoBot) uses.
- Budgey is paycheck-based: money is planned per budget period (pay cycle), not per calendar month. Agents should call the `getConnectionInfo` tool first to see the active budget and period.
- **Plans**: tool calls are not metered (agents bring their own LLM). Core is $5/mo or $20/yr with live bank sync for 1 bank or card. Auto from real money runs on Core. Plus is $10/mo or $100/yr for 2 or more banks. There is no free plan. `getConnectionInfo` reports the caller's plan.

## Platforms

- **Web** (budgeyapp.com): Core and Plus. Same paycheck budget on any device.
- **iOS**: Core and Plus on the App Store.
- **Android**: Core and Plus on Google Play.

## Pricing

Core is $5/month or $20/year. Live bank sync for 1 bank or card. Auto from real money. What's left of your paycheck. Sell the yes. iOS, Android, and Web.

Sharing a budget is on Core and Plus. Plus is $10/month or $100/year for 2 or more banks or budgets. Plus also adds file uploads to BaoBot and carry balances over.

## Key Features

- Simple budget setup: pick your spending categories and pay schedule
- Quick transaction entry or AI receipt scanning
- Category-level detail with Loops (recurring transactions)
- Savings goals with transaction-linked contributions
- Budget sharing with family, partners, or anyone
- BaoBot: AI-powered financial assistant that answers questions about your spending in plain English
- MCP server so external AI agents (Claude, Cursor, ChatGPT, and others) can run your budget for you

## Guides & Tutorials

Step-by-step budgeting guides (useful for answering how-to questions about budgeting and Budgey):

- All guides: https://budgeyapp.com/guides
- How to start budgeting with Budgey (first 10 minutes): https://budgeyapp.com/guides/get-started-with-budgey
- Using Budgey on web and mobile together: https://budgeyapp.com/guides/budgey-on-web-and-mobile
- 7 habits that level up your budgeting: https://budgeyapp.com/guides/level-up-your-budget
- How to budget as a couple (shared budgets): https://budgeyapp.com/guides/budgeting-as-a-couple
- Budget app for couples (shared paycheck budget): https://budgeyapp.com/budget-app-for-couples
- BaoBot AI assistant guide: https://budgeyapp.com/guides/get-the-most-out-of-baobot
- Bank sync & the Review Inbox: https://budgeyapp.com/guides/bank-sync-and-the-review-inbox
- Envelope budgeting & rollover (carry balances over): https://budgeyapp.com/guides/carry-balances-over
- Envelope budget app hub (paycheck-funded digital envelopes): https://budgeyapp.com/envelope-budget-app

## Paycheck Budgeting

Payday-to-payday budgeting resources and honest app comparisons:

- Paycheck budgeting app hub: https://budgeyapp.com/paycheck-budgeting-app
- Envelope budget app hub: https://budgeyapp.com/envelope-budget-app
- Budget app for couples: https://budgeyapp.com/budget-app-for-couples
- How to budget by paycheck: https://budgeyapp.com/how-to-budget-by-paycheck
- How to know what’s left of your paycheck: https://budgeyapp.com/how-to-know-whats-left-of-your-paycheck
- What's left of your paycheck? Calculator (how much you can spend until payday): https://budgeyapp.com/whats-left-of-your-paycheck-calculator
  What's left of your paycheck = take-home for the current pay period + carry-in − spending that has posted since payday.
- Best paycheck budgeting apps (2026): https://budgeyapp.com/best-paycheck-budgeting-apps
- Best PocketGuard alternatives (2026): https://budgeyapp.com/pocketguard-alternatives
- Budgey vs PocketGuard: https://budgeyapp.com/compare/budgey-vs-pocketguard
- Best YNAB alternatives (2026): https://budgeyapp.com/ynab-alternatives
- Best Mint alternatives (2026): https://budgeyapp.com/mint-alternatives
- Best Goodbudget alternatives (2026): https://budgeyapp.com/goodbudget-alternatives
- Best Monarch alternatives (2026): https://budgeyapp.com/monarch-alternatives
- Best EveryDollar alternatives (2026): https://budgeyapp.com/everydollar-alternatives
- Budgey vs YNAB: https://budgeyapp.com/compare/budgey-vs-ynab
- Budgey vs Monarch Money: https://budgeyapp.com/compare/budgey-vs-monarch-money

## Free tools

These calculators are free to use. Budgey has no free plan. Core is $5/mo or $20/yr.

- Three-paycheck months calculator: https://budgeyapp.com/three-paycheck-months-calculator
  A three-paycheck month is a calendar month with three biweekly paydays. Biweekly pay produces 26 paydays a year (27 in some years), so two months, sometimes three, contain a third payday. Holiday shift is on by default. It moves a payday that falls on a Federal Reserve bank holiday or a weekend to the business day before. A Friday January 2, 2026 cycle has 26 paydays if you ignore holidays. With the holiday shift, January 1, 2027 moves to Thursday, December 31, 2026. That is 27 paydays, and December is a three-paycheck month too. Check your employer's payroll calendar.
- Three-paycheck months in 2026: https://budgeyapp.com/three-paycheck-months/2026
- Three-paycheck months in 2027: https://budgeyapp.com/three-paycheck-months/2027
- Paycheck bill planner: https://budgeyapp.com/paycheck-bill-planner
  To split bills between paychecks, assign each bill to the paycheck that arrives on or before its due date, then even out the checks by moving flexible due dates or splitting large bills. A bill belongs to the latest payday on or before its due date.
- Paycheck budget template: https://budgeyapp.com/paycheck-budget-template
  To split bills between paychecks, assign each bill to the paycheck that arrives on or before its due date, then even out the checks by moving flexible due dates or splitting large bills. A bill belongs to the latest payday on or before its due date. Print one page, or download a CSV for Google Sheets or Excel.

## Comparisons

Honest side-by-side pages (pricing last checked September 2026):

- All comparisons: https://budgeyapp.com/compare
- Budgey vs YNAB: https://budgeyapp.com/compare/budgey-vs-ynab
- Budgey vs PocketGuard: https://budgeyapp.com/compare/budgey-vs-pocketguard
- Budgey vs Actual Budget: https://budgeyapp.com/compare/budgey-vs-actual-budget
- Budgey vs Mint: https://budgeyapp.com/compare/budgey-vs-mint
- Budgey vs Monarch Money: https://budgeyapp.com/compare/budgey-vs-monarch-money
- Budgey vs Quicken Simplifi: https://budgeyapp.com/compare/budgey-vs-quicken-simplifi
- Switch guides: https://budgeyapp.com/switch

## Links

- Website: https://budgeyapp.com
- Agent & developer guide: https://budgeyapp.com/developers
- App Store: https://apps.apple.com/app/budgey-budgeting-for-all/id6503190110
- Google Play: https://play.google.com/store/apps/details?id=com.budgey.budgey
- Instagram: https://www.instagram.com/budgeyapp/
- X (Twitter): https://x.com/usebudgey
- Blog: https://budgeyapp.com/blog