Looking for a budgeting app without a subscription

Where Bufin is different

• Price: nothing, with no plan to choose and no trial that ends. Paid budgeting apps typically run on a monthly or annual subscription.
• Storage: your budget is written to your own Google Drive or OneDrive, or kept in your browser. There's no vendor database holding your transaction history.
• Bank links: none, by design. Nothing to connect, nothing to re-authorise, nobody holding read access to your accounts.
• Method: Bufin doesn't require a single budgeting philosophy. Envelopes and paycheque-based planning are there if you want them, not enforced if you don't.

Where a paid app may suit you better

If automatic bank feeds are the reason you budget at all, Bufin will feel like manual work. It cannot import your transactions for you. If you rely on a large community, a coaching programme or years of published method material, an established paid product has those and Bufin does not. Bufin is also built by one person and still in beta, which is a real consideration for something you plan to keep for a decade.

Moving over

Most budgeting apps export CSV. Bufin imports CSV, mapping the columns and skipping rows it has already seen, so a year of history usually comes across in one go. Your categories can be renamed afterwards without touching the transactions.