Your money,
quietly under control.
Import statements from the banks you actually use — CSV, spreadsheet, PDF, or a photo of a receipt. BudgetIQ auto-categorises with AI, tracks your budget in the currency your salary lands in, and delivers the kind of reports a spreadsheet never could.
No card required · R 450/year after trial
- Statements
- 5
- Auto-categorised
- 94%
- Transactions
- 412
- Statements
- 5
- Auto-cat.
- 94%
- Transactions
- 412
Everything your old budgeting app should have been.
Modern imports, AI intelligence, and reports that actually explain your money.
Import anything
CSV, spreadsheet, PDF statements, or a photo of a receipt. BudgetIQ parses them all with AI.
AI auto-categorize
Every transaction is classified against your categories automatically. Review in one click.
Advanced reports
Category trends, month-over-month, cash-flow, net-worth timeline, forecast — all interactive.
Auto-analysis
Monthly reviews, anomaly detection, savings suggestions and 30-day forecasts, generated on demand.
Private & yours
Your data is isolated with row-level security. Export whenever you want.
Budgets that stick
Set monthly caps per category. BudgetIQ warns before you blow them.
Reports that read themselves.
Instead of pivot tables and gridlines, BudgetIQ gives you narrative reports with numbers you can trust — powered by real-time AI analysis over your own data.
- Monthly review with top movers and callouts
- Anomaly & duplicate charge detection
- 30-day forecasted spend by category
- Personalized savings plan
You saved 34% of what you earned.
Rent, salary, and groceries stayed consistent. Consider trimming Restaurants by ~$150 to hit your $2,500 savings goal.
Your data is encrypted, never sold.
Row-level security means only your account can read your transactions. No ads, no data brokers.
No online-banking passwords.
BudgetIQ only accepts statements you upload yourself. Your bank credentials never leave your bank.
Whatever bank, whatever format.
CSV, spreadsheet, PDF, or a photo of a printed statement. If your bank exports it, BudgetIQ reads it.
What early users are saying
Feedback from BudgetIQ's private beta and early trial cohort.
"Finally a budgeting app that speaks my currency and understands my bank's CSV. The AI categoriser nailed 90% of my transactions on the first import."
"I ditched my spreadsheet after two weeks. The monthly review reads like an actual finance report — I know exactly where the money went."
"Was paying a US budgeting app in dollars for years. BudgetIQ costs a sixth and does everything I actually used."
Built by founders who got tired of budgeting apps that assumed one bank and one currency.
BudgetIQ is an independent product. We answer support email ourselves, we don't run ads, and we don't sell your data. If you have a question, feedback, or want to talk to the founding team, email hello@budgetiq.app.
One price. One year. Zero subscriptions.
Pay once, use for 12 months. No recurring charges.
One payment covers a full 12 months — no monthly charges. 1-month free trial. Cancel anytime during trial. Billed once per year in ZAR.
- Unlimited transactions & accounts
- CSV, spreadsheet, PDF & receipt imports
- AI auto-categorization
- Savings targets & goal tracking
- Debt reduction planner
- Net worth tracker
- Budgets, upcoming bills & subscriptions
- Monthly reviews, forecasts, anomaly detection
- Advanced reporting suite
- Export your data anytime
Lock in the discounted rate today. Billed once, renews in 12 months.
Questions
Is my data private?+
Yes — every row is protected by row-level security. Only you can read your data.
Can I import from my bank?+
Yes. BudgetIQ works with statements from any bank worldwide — including all major South African retail, digital and business banks. Export a CSV or spreadsheet from your banking app, or upload a PDF statement and BudgetIQ extracts the transactions with AI.
How much does BudgetIQ cost?+
R 450 per year (equivalent to R450), paid once. Wherever you are in the world, the price converts to the R450 equivalent in your local currency.
Is there an early-upgrade discount?+
Yes. Upgrade with 30+ days left in your free trial and you'll pay R 375 (equivalent to R350) instead of R 450.
Is it really once a year?+
Yes. You pay R 450 and get 12 months of full access. No hidden add-ons or auto-renewals. You can change your billing currency on the pricing page.
What happens after the trial?+
You keep your data. To keep using BudgetIQ, activate the yearly plan from your account settings.