Budgefy is a personal finance app designed to help people understand their money, manage debt, and build wealth. Its free plan lets users connect bank accounts through Plaid or enter accounts manually, then track and search transactions, organize spending, create monthly category budgets, and monitor assets, debts, and net worth over time. Custom rules can automatically categorize transactions based on conditions such as merchant, amount, or bank category. The app also offers an AI assistant for questions and spending insights, along with financial literacy courses and resources.

Budgefy’s optional Premium subscription adds unlimited bank connections and categorization rules, expanded AI access, advanced analytics, and tools for creating a personalized debt-to-wealth roadmap. These include payoff strategies, optimized schedules, financial recommendations, and a Smart Planner. Users can also book personal strategy sessions with a financial educator. Budgefy offers a free plan with no credit card required and a 14-day free trial for new Premium subscribers.