Questions, answered
Short answers to the questions people ask before they start with BudgetByChat: what is free, what the WhatsApp add-on will cost, which currencies and countries work, and how your financial data is kept private.
Yes. Everything on the web is free with no feature limits: zero-based budgets, expenses and income, accounts, multi-currency, savings goals, the wealth tracker, debt manager, health score, reports and exports. No trial, no credit card.
Only the WhatsApp add-on, which is coming soon: logging expenses and income, bill reminders, the month-start prompt and budget status, all inside WhatsApp. Everything on the web stays free.
No. The web app is free, and features that are free today stay free. The WhatsApp add-on is an extra, not a replacement.
Yes, BudgetByChat. It never connects to a bank: you add transactions yourself, so it works with every bank, card, wallet and cash account in any country, and your bank login never leaves your hands.
Yes. The web app works in every country and supports 30 currencies, including PKR, AED, SAR and INR. There is a page for each country with its currency, today’s rates and the planned WhatsApp price.
Budget app by country →Soon. With the WhatsApp add-on you will send a message such as “spent 45 AED on groceries” and it is logged, converted to your currency, and replies with what is left. Join the waitlist to hear first.
Join the WhatsApp waitlist →Yes, but only to receive your sign-in code. You don’t need the WhatsApp add-on, and we never message you without your permission.
Soon. We launch the WhatsApp add-on once enough people have joined the waitlist. Waitlist members hear first and can reserve a founding price for their first year, with nothing to pay now.
Join the WhatsApp waitlist →It will be priced for your country using purchasing power parity, so people in Pakistan, Indonesia and similar markets pay a fair local rate. Exact prices will be shown before you subscribe.
Every transaction is stored in its native currency and converted to your base currency at the latest exchange rate (updated several times a day). Earn in AED, send home in PKR, travel on EUR, all in one budget.
No, it runs in your browser today, on phone and desktop, and you can add it to your home screen. Free iOS and Android apps are coming soon, using the same account.
The iPhone and Android apps are on the way and will be free, with push alerts for budgets, bills and goals. Leave your email and we will tell you the day they are in the store.
Email me at launch →Your data travels over encrypted connections and stays on our own servers. We never sell or share it, we never connect to your bank, and you can export all your data or delete your account at any time.
You keep the full free web app and all your data. Only the WhatsApp features stop.