Log expenses by WhatsApp message
Soon: send a message from the car park. BudgetByChat will log it, deduct from your category, convert the currency, and confirm back, all without opening a browser.
A zero-based monthly budget planner
Give every rupee, dirham, or dollar a job. Allocate income across categories and watch planned vs actual update in real time — so you always know what’s safe to spend.
Track expenses in any currency at live rates
Every transaction is stored in its native currency and converted to your base currency at the latest rate. Earn in AED, send home in PKR, travel on EUR — no manual FX math, ever.
Your Financial Health Score
One number that captures savings rate, budget adherence, and debt load — updated as you spend. Watch it climb, and get plain-language nudges on exactly what to fix next.
iPhone and Android apps, free
The same account as the web, in your pocket, with push alerts that 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
And the rest of the app
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.
How it compares
| Feature | BudgetByChat | Typical paid app | Spreadsheet |
|---|---|---|---|
| Price | Free | Monthly or yearly fee | Free |
| Zero-based budgeting | Built in | Some apps | Build it yourself |
| Spend and save in several currencies | Built in, rates shown | Often limited | Manual rates |
| Bank connection required | No | Often | No |
| Goals, net worth and debt payoff | Included | Varies | Build it yourself |
| Log spending by WhatsApp | Coming soon (add-on) | No | No |