Budget
Income and expenses in categories – monthly, quarterly or yearly. Monthly and yearly totals are calculated automatically.
Budget · Net worth · Investments
Your money.Finally crystal clear.
budgentis brings income, expenses, accounts, investments and loans into one clear interface – with live prices, crypto holding periods and your net worth at a glance.
- Hosted in Germany
- No ads, no tracking
- No bank login required
Net worth€34,620after debts
Savings rate24.2%
Next tax-free purchaseSOL · 12.03.2027166 days to go
Features
Everything you need for your finances
No more spreadsheet chaos: budgentis does the maths – from your monthly budget to the holding period of your coins.
Accounts & cash
Checking, savings, fun money and cash with interest rate and date – everything flows into your total assets.
Live prices
Crypto via CoinGecko, stocks and ETFs via Yahoo Finance – just enter the ISIN or ticker.
Crypto holding period
Every purchase with its date, sales matched FIFO. See to the day when each purchase becomes tax-free (German rules).
Savings plans & single buys
Every execution with amount, price and shares – average price, cost basis and gains are calculated for you.
Loans & debts
Record installments, special repayments and payment methods – with remaining debt, progress and a debt-free date.
Dashboard
Your entire net worth on one page
Income, fixed costs, savings rate and surplus – plus everything you own, minus outstanding debt.
- Net worth from accounts, investments and loans
- Where does your income go? – as a chart
- Largest items and yearly totals
Budget
Fixed costs under control – no spreadsheets
Enter rent, insurance, subscriptions and savings plans once. budgentis converts yearly payments to monthly amounts and shows what is really left.
- Create and name your own categories
- Monthly, quarterly, half-yearly, yearly
- Delete with “Undo” – nothing gets lost by accident
Investments
Know when your coins become tax-free
Enter every purchase with date and exact amount. budgentis matches sales FIFO and shows the days left until each purchase becomes tax-free – plus live prices, cost basis and gains.
- Holding period under German tax law, to the day
- Stocks & ETFs with savings plans and average price
- Foreign-currency prices converted to euros automatically
Loans
Debt-free – with a date
Bank loan or money from family: every installment and special repayment is recorded with date and payment method. You see the remaining debt, progress and when you will be done.
- Book an installment with one click
- Interest, bank balance, special repayments
Everywhere
On your phone just like on your computer
budgentis runs in your browser – no installation. On your phone with its own layout and a bottom bar, on your computer with every detail. Your data is the same everywhere.
Mobile layout
Light & dark
German & English
Backup as a file
Security & privacy
Your numbers belong to you
budgentis collects as little as possible – and none of it is sold, analysed or used for advertising.
Hosted in Germany
Operated by a German hosting provider, GDPR-compliant.
Encrypted
All data is transferred encrypted via HTTPS.
No tracking
No ads, no tracking cookies, no third-party services or content.
Take it with you
Download a backup file or delete your account yourself – any time.
How it works
Three steps to a clear overview
Create an account
Email address and password – that is all.
Enter your numbers
Fixed costs, balances and purchases – budgentis loads the prices itself.
Stay on top
Open the dashboard and see where your money stands – up to date every day.
FAQ
Frequently asked questions
How much does budgentis cost?
budgentis is currently free. Sign up and get started – no payment details needed.
Do I need to connect my bank account?
No. You enter your figures yourself. budgentis never asks for online banking credentials, PINs or TANs.
Where do the prices come from?
Crypto prices from CoinGecko, stock and ETF prices from Yahoo Finance. Our server requests them – using only the symbol or ISIN, never your data.
Is this tax or investment advice?
No. budgentis is a tool for your personal overview. Calculations such as holding periods are for orientation only and do not replace professional advice.
Can I export or delete my data?
Yes. “Download backup” gives you all your data as a file at any time. You can permanently delete your account yourself under “Account”.
Is there a mobile app?
budgentis is optimised for phones and runs right in your browser. Tip: use “Add to Home Screen” to keep it on your home screen like an app.
Ready for a clear view?
Create your account in a minute. Your finances – clear, secure, simple.