Budjut is a privacy-first personal finance and budgeting app that helps you track expenses, manage cash flow, build savings, eliminate debt, and measure financial progress. All without subscriptions, accounts, or tracking.
Browser-based • Offline-friendly • Privacy-first • No accounts • No subscriptions
Budjut is a lightweight financial progress app that combines budgeting, expense tracking, savings goals, debt payoff planning, and wealth building tools into a single experience.
Unlike traditional budgeting software that focuses primarily on spending, Budjut emphasizes progress. Whether you're building an emergency fund, paying off debt, saving for a major purchase, or pursuing long-term financial independence, Budjut helps you understand not only where your money goes, but what it's helping you build.
- 💰 Income and expense tracking
- 📊 Cash-flow and spending analysis
- 🏦 Goal-based Vaults
- 🏛 Financial Foundation framework
- 🎯 Money Pattern Score
- 💡 Smart insights and coaching
- 📈 Reports and analytics
- 🔒 Local-first privacy
Everything stays on your device.
No cloud dependency. No accounts. No tracking.
https://michaelsboost.com/Budjut/
Install Budjut to your home screen and use it offline anytime.
Most financial apps focus on transactions.
Budjut focuses on progress.
Tracking expenses is important, but financial health is built through intentional habits, purposeful saving, debt reduction, and long-term thinking.
Budjut is built around four principles:
- Clarity — understand your finances at a glance.
- Ownership — your data belongs to you.
- Simplicity — powerful tools without unnecessary complexity.
- Progress — measure what you're building, not merely what you're spending.
“A budget is telling your money where to go instead of wondering where it went.”
— Dave Ramsey
Budjut extends that idea:
"Financial progress isn't measured by what you spend, but by what you're building."
- Add, edit, and delete income and expense transactions
- Categorized entries with optional notes
- Real-time balance and cash-flow calculations
- Planned vs actual spending
- Budget left
- Cash left after expenses
- Spending flow visualization
- 50 / 30 / 20 snapshot
Create dedicated vaults for:
| Examples |
|---|
| 🚨 Emergency Fund |
| 💳 Debt Snowball |
| 🚗 New Car |
| 🏠 Home Down Payment |
| 🚀 Business Startup |
| 🎄 Holiday Gifts |
| 📦 Major Purchases |
Vaults track:
- Goal amount
- Current balance
- Monthly contributions
- Progress percentage
- Estimated completion date
- Optional emoji/icon
Vaults represent what you're building, not where your money went.
| Stage | Objective |
|---|---|
| Stage 1 | Starter Emergency Fund |
| Stage 2 | Eliminate High-Interest Debt |
| Stage 3 | Build 3–12 Months of Expenses |
| Stage 4 | Long-Term Wealth Building |
Each stage can be completed manually or automatically based on your financial data.
Budjut evaluates nine dimensions of financial progress:
| Factor | Max Points |
|---|---|
| Cash Flow Momentum | 30 |
| Spending Control | 25 |
| Savings Power | 20 |
| Budget Balance | 15 |
| Category Discipline | 10 |
| Emergency Fund Progress | 15 |
| Debt Reduction Progress | 15 |
| Goal Contributions | 15 |
| Financial Foundation Progress | 15 |
Total: 160 points, scaled to a score between 0–100.
| Score | Rating |
|---|---|
| 90–100 | 🔥 Elite |
| 75–89 | 💪 Strong |
| 60–74 | 👍 Stable |
| 40–59 | |
| 0–39 | 🚨 At Risk |
Budjut also provides:
- Next Best Move recommendations
- Personalized insights
- Progress projections
- Smart coaching based on your habits
- Monthly spending trends
- Category breakdown charts
- Planned vs actual comparisons
- Visual progress indicators
- Trend analysis
USD • EUR • GBP • JPY • CAD • AUD
Export transactions and import them again with validation.
amount,type,category,date,note
850,expense,Rent,2025-01-01,
100,expense,Electric,2025-01-05,
3000,income,Salary,2025-01-01,Monthly paycheck| Column | Type | Description |
|---|---|---|
| amount | number | Transaction amount |
| type | string | income or expense |
| category | string | Category name |
| date | string | YYYY-MM-DD |
| note | string | Optional note |
- Automatic saving
- JSON backup and restore
- No accounts
- No servers
- No cloud dependency
| Action | Method |
|---|---|
| New transaction | Press N |
| Search | Search field |
| Filter type | Dropdown |
| Edit transaction | ✏️ button |
| Delete transaction | 🗑️ button |
| Create Vault | Vault panel |
| Toggle Foundation stage | Foundation panel |
| Share summary | Share button |
- Responsive design
- Glassmorphism cards
- Dark mode
- Mobile friendly
- Smooth animations
- Coach-like experience
- Entirely client-side
- No analytics
- No tracking
- No external requests
Your data stays on your device. Always.
git clone https://github.com/michaelsboost/Budjut.git
cd Budjut
npm install
npm run serveOpen:
index.htmlWant to contribute?
- Fork the repo
- Create a feature branch (
feature-budget-analytics) - Submit a pull request 🎉 and help improve financial accessibility 💸
Licensed under the MIT License — free to use, share, and remix.
Developed by: Michael Schwartz Maintained by: The community
If Budjut was helpful for you, consider supporting future projects:
- 🎨 Check out my Graphic Design Course: https://michaelsboost.com/graphicdesign
- 🛒 Register as a customer on my store: https://michaelsboost.com/store
- ☕ Buy me a coffee: http://ko-fi.com/michaelsboost
- 👕 Purchase a T-Shirt: https://michaelsboost.com/gear
- 🖼️ Buy my art prints: https://deviantart.com/michaelsboost/prints
- 💰 Donate via PayPal: https://michaelsboost.com/donate
- 💵 Donate via Cash App: https://cash.me/$michaelsboost
Your support helps fund future open-source projects and tools for the community 🚀