Finally, a Budget App That Tracks Every Dollar - Including BNPL
Auto-split BNPL payments across months, track your spending, and see where every dollar goes.
No bank connection
No subscription
Just you and your budget
Tired of Choosing Between Spreadsheets and Surveillance?
Simple tools to track your spending, manage BNPL payments, and actually understand your budget.
The Spreadsheet Trap
The Privacy Trade-Off
The BNPL Black Hole
Using Afterpay, Klarna, or Affirm? Those payments hit your budget across multiple months - and no app tracks them properly.
Everything You Need.
Nothing You Don't.
Simple tools to track your spending, manage BNPL payments, and actually understand your budget.
Quick Manual Entry
Add a transaction in under 5 seconds. Amount, category, done. Faster than any spreadsheet.
Auto BNPL Splitting
Buy on Afterpay or Klarna? Enter it once - Budgetpeer splits installments across the right months automatically.
Dashboard & Charts
Income vs. expenses, spending by category, monthly trends. Real insights at a glance.
No Bank Login. Ever
We never ask for bank credentials. You control what's tracked. Your data stays yours.
Recurring Transactions
Rent, Netflix, gym - set them once. Budgetpeer adds them every month automatically.
Savings & Investment Tracking
See your savings rate month by month and track investment, retirement, and education accounts over time - no brokerage login needed.
CSV Import
Switching from a spreadsheet? Import your transaction history in one click.
Works on Any Device
Phone, tablet, or desktop - Budgetpeer works in your browser. Add it to your home screen for an app-like experience.
Categories & Subcategories
Organize spending your way. Create custom categories and break them down with subcategories for detailed tracking.
The Only Budget App That Actually Tracks Your Afterpay and Klarna Payments
Over 100 million people in North America use Buy Now, Pay Later services. But here's the problem: your budget app has no idea.
When you buy a $200 pair of shoes on Klarna, your budget sees $50 this month and nothing else. The remaining $150 hits over the next three months - invisible, unplanned, and blowing up your budget every time.
Budgetpeer fixes this. Enter your BNPL purchase once, and it automatically creates installment transactions on the exact dates they're due. Your budget reflects reality - not just what's in front of you today.
Track any BNPL service
Afterpay, Klarna, Affirm, PayPal Pay in 4, Zip, Sezzle, and more. You enter the purchase details - Budgetpeer handles the splitting. No connection to any provider needed.
No Bank Login. No Data Harvesting. No Plaid.
Other budget apps require your bank credentials through services like Plaid - giving third parties access to your full transaction history, account balances, and personal information.
Budgetpeer never asks for your bank login. You enter what you want to track, and that's all we know. Your data stays yours.
No bank connections
We never ask for credentials. Period.
Manual entry by design
You control exactly what's tracked.
Your data, your device
We don't sell, share, or monetize your financial information.
Start Budgeting in Under 2 Minutes
Step 1
Create Your Budget
Name it, pick your currency, and you're in. No onboarding marathon.
Step 2
Add Transactions
Tap +, enter the amount, pick a category. Done. Got a BNPL purchase? Enter it once, and installments appear automatically.
Step 3
See Your Full Picture
Your dashboard shows income vs. expenses, spending by category, and upcoming BNPL payments - all in one view.
Pay Once. Budget Forever.
One price. No subscriptions. No hidden fees.
Free
$0
30 Transactions / Month
2 BNPL Plans
1 Tracking Account
1 Budget
Unlimited Accounts
Unlimited Categories
Unlimited Subcategories
CSV import
Recurring Transactions
All future updates
Lifetime
$49
Everything in Free, plus:
Early Bird Special: $25 Off
Use code EARLYBIRD25 at the checkout
Limited to first 100 buyers
How Budgetpeer Stacks Up
Questions? We've Got Answers.
Free Plan & Pricing
Is the free version actually usable?
Yes. You get 30 transactions per month, 2 BNPL plans, 1 budget, CSV import, and the full dashboard. Most casual budgeters never need more.
How is this different from YNAB or Monarch?
Three ways: (1) No bank login required - your data stays private. (2) BNPL auto-splitting that no other app offers. (3) One-time $49 payment instead of $99-$109/year subscriptions.
What happens when I hit a free tier limit?
You'll see a friendly nudge with your current usage. Your existing data is never locked or hidden. Upgrade anytime to remove all limits.
Features & BNPL
Why one-time instead of a subscription?
Because we're building a budget app, not draining your budget. Pay once, use forever. All future updates included.
Can I try every feature before paying?
The free tier includes every single feature - just with quantity limits. You'll know exactly what you're getting.
What BNPL services do you support?
All of them. Afterpay, Klarna, Affirm, PayPal Pay in 4, Zip, Sezzle - any service that splits payments into installments. You enter the details, Budgetpeer handles the splitting.
Investment & Savings
Can I track my investments and savings?
Yes. The Savings page shows your month-by-month savings rate with trends. You can also create tracking accounts for investments, retirement, savings, or education funds — log your balance anytime and watch your growth over time. No brokerage connection needed. Free users get 1 tracking account, paid users get unlimited.
Do I need to connect my brokerage?
No. You manually log your balance - Budgetpeer never connects to any financial institution.
App & Data
Is there a mobile app?
Budgetpeer is a web app that works on any device - phone, tablet, or desktop. Add it to your home screen for an app-like experience.
Can I import my spreadsheet?
Yes. CSV import lets you bring in your existing transaction history so you don't start from zero.
Is there a refund policy?
30-day money-back guarantee. If Budgetpeer doesn't work for you, email us for a full refund.
Deals & Currencies
What's the early bird deal?
The first 100 buyers get Budgetpeer Lifetime for $24 instead of $49. Once they're gone, it's $49 permanently.
What currencies do you support?
Over 100 currencies worldwide, including USD, CAD, EUR, GBP, AUD, MXN, and many more.
Start Budgeting in 2 Minutes.
Free Forever.
No bank connection
No subscription
Just you and your budget