WhatsApp logging is coming · AED 49 founding price · Join the waitlist →
BudgetByChat
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100% free web app

The free budget app and expense tracker for every currencyBudget smarter.
Track everything.
Pay nothing.

BudgetByChat is a free budget app and expense tracker for people whose money lives in more than one currency. Plan a zero-based budget, track spending, savings goals, net worth and debt payoff in 30 currencies. Earn in AED, spend in PKR or INR: the conversion is done for you. Coming soon: mobile apps, and logging by WhatsApp message.

No bank connection needed · Your data is never sold · Delete it any time

9:41
BudgetByChat
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How it works

Set up in two minutes. Really.

1

Sign up free

Create your account on the web in under a minute. No card, no trial timer.

2

Set your budget

Give every category a number. We pre-fill smart defaults you can tweak in seconds.

3

Track and adjust

Log spending in any currency, move money between categories, and watch your goals and net worth grow.

Features

Everything you need to take control

Built for people who manage money across borders, currencies, and life stages.

Zero-based monthly budgeting

Allocate every rupee, dirham, or dollar to a category. Track planned vs actual spending in real time.

Log expenses via WhatsApp

Coming soon: text “spent 45 AED on groceries” from the car park. It’s logged, deducted from your category, and you get back what’s left.

Live exchange rates, always

Every transaction stored in native currency and converted to your base currency at the latest rate (updated several times a day). No manual FX calculations.

Explore all features

Everything else is free too

Savings goals

Name a goal, set a date, and track contributions and automatic monthly deposits.

Net worth

Assets and debts in one number, in your currency, with a month-by-month trend.

Debt payoff

Track loans and EMIs, log payments, and compare snowball and avalanche plans.

Accounts & transfers

Bank, cash, cards and wallets, with transfers between them in any currency.

Reports & exports

Spending breakdowns, trends and a health score, plus CSV, PDF and Excel downloads.

Bill reminders

See what’s due this week so rent, school fees and subscriptions never slip.

9:41
Home2
Good morning, Omar 👋October at a glance
Budget used57%AED 4.6K / AED 8K
Net worthAED 48.2K▲ 2.1% this month
Top goal64%Emergency fund
Debt leftAED 21.5KDebt-free Mar 2028
Health scoreOn trackView
This month’s budgetsView all
Dining out80%AED 480 / AED 600
Groceries62%AED 930 / AED 1.5K
Transport41%AED 205 / AED 500
Recent activitySee all
CarrefourToday · Groceries−AED 186.50
Sent homeYesterday · PKR 25,000−AED 327.90
HomeBudgetExpensesWealthMore
The iPhone app’s Home screen. Amounts are an example.
Mobile app · Coming soon

Your whole budget in your pocket. Free.

The iPhone and Android apps use the same account as the web, and push alerts are free for everyone.

  • Budget alerts at 80% and when you go over
  • Bill reminders 3 days before, the day before and on the day
  • Goal reached, EMI logged, and your monthly Health Score
Email me when the app is out on

One email when it’s out. Unsubscribe any time.

App Store · Coming soonGoogle Play · Coming soon
Pricing

Free forever. Pay only for WhatsApp.

FreeAED 0 foreverThe full web app today, and the iOS and Android apps when they launch. No card, no trial, no limits.Get started freeOpen your dashboard
WhatsApp add-onComing soonAED 49 first year, foundingLog by message, budget status and bill reminders on WhatsApp. Planned price after launch: AED 9/month or AED 89/year.Join the waitlist
  • No bank connection needed
  • Your data is never sold
  • Export or delete it any time
  • Every currency, every rate shown

All of it, free forever.

No credit card. No trial. No feature limits.

WhatsApp logging is comingFounding price AED 49 · Free to join
Join waitlist