A free budget app for Saudi Arabia
BudgetByChat is a free budget app and expense tracker that works in Saudi riyals. Budget your salary in SAR, track what you spend, and plan the money you send home each month at today’s rate.
What works differently in Saudi Arabia
Riyals in, home currency out
Keep SAR as your main currency and add an account in PKR, INR or any other currency for family back home. Each transfer records both amounts, so the exchange cost is visible.
Works with every bank
BudgetByChat never connects to a bank. Add your salary account, cash and cards as accounts and log spending yourself, so nothing depends on your bank being supported.
Priced in dollars for now
The free web app costs nothing anywhere. For the planned WhatsApp add-on there is no riyal price yet, so visitors from Saudi Arabia see the US-dollar price.
What is free, and what will cost $3 a month
Everything in the web app is free in Saudi Arabia, with no feature limits:
- Zero-based monthly budgets
- Expense and income tracking
- Accounts: bank, cash, credit card and mobile wallet, with transfers
- Multi-currency transactions converted at the latest exchange rate
- Savings goals
- Wealth tracker and net worth history
- Debt manager with avalanche and snowball payoff plans
- Financial Health Score
- Reports with PDF and Excel export
The only paid part will be the optional WhatsApp add-on (logging by message, bill reminders, budget status). Its planned price for Saudi Arabia is $3 a month. It is not launched yet and nothing is charged today. See pricing.
Accounts you can track
- Salary bank account
- Cash
- Credit card
- Account in your home currency
Rates into SAR today
| Currency | 1 unit in SAR |
|---|---|
| USD | SAR 3.75 |
| AED | SAR 1.02 |
| PKR | SAR 0.01 |
| INR | SAR 0.04 |
| GBP | SAR 5.02 |
Mid-market rates as of 2 November 2026. BudgetByChat converts every transaction at the latest rate, synced several times a day.
Get started in Saudi Arabia
- Sign up free and choose SAR as your main currency.
- Pick a starter template, or start blank.
- Add your accounts: bank, cash, cards and wallets.
- Log what you spend and receive, in any currency.