L
Lariko1123
🇫🇷FR
Immersive
J’ai pu facilement me projeter sur douze mois. Je recommends
NETbudget 2.0 is coming
Know what you really have left each month.
A budget you read at a glance, benchmarks drawn from official statistics, 282 sourced tips, projects, and shared spaces for couples and families. No bank connection, no ads: your budget stays on your phone, and whatever syncs is encrypted before it leaves.
Budget, loans and converter are free, no account needed. No ads. No bank connection.
All links here
Download NETbudget
Available on iPhone and Android. Free to start, no ads. An account only to sync, share and use the Coach.
8
languages
15
currencies
59
countries
282
sourced tips
Anywhere in the world
A budget that speaks your language, in your country
Eight languages, fifteen currencies, and cost-of-living benchmarks for every city in the app. Spin the globe: each dot is a covered country.
- countries
- 59
- cities
- 499
- languages
- 8
Touch a dot to see the country and its cities.
2.0 in pictures
A budget you understand without a manual
Screenshots taken in the app, version 2.0. No mockups.
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Everything that matters, nothing more
Enter your income and expenses. NETbudget computes, compares and advises.
Several income sources
Salary, freelance, rental, dividends, each with its own deduction rate. Plus income tax withheld at source in the 32 countries where employers withhold it, with the official tables one tap away.
A 50 / 30 / 20 benchmark that adapts
The needs, wants, savings split starts at 50/30/20, then adjusts end to end to your profile: age, household, housing, city. The Coach gives you your own target split, with its percentages.
282 sourced tips
Every tip cites its official source and depends on your country, age, family and housing. Regulated savings rates and inflation are re-read from official series.
As a couple or a family
Shared spaces by invitation, one common budget, and a private space for each person.
One space per project
Wedding, trip, baby, party: a guided budget, a timeline and a reminder at every milestone.
Anywhere in the world
499 cities in 59 countries, with your city's cost-of-living gap against your country's average.
Currency converter
15 currencies with up-to-date rates and your conversion history.
Clean PDF export
Income, expenses by line and by period, the yearly table and tips, in the language of your choice.
Encrypted, no bank connection
No connection to your bank, ever. The budget lives on your phone; whatever syncs is encrypted before it leaves, with a key only you hold.
Plans
Free to start, a plan when your budget grows
The full budget stays free, no account needed. Plans add the Coach, projects, shared spaces and encrypted sync.
Free No account
Free
No account
- Budget, loans, converter, money left Included
- Income sources 2
- Savings goals 1
- Loan schedule Current year
- Coach: 282 sourced tips —
- Tip of the week —
- Projects and events —
- Wedding budget —
- Shared spaces —
- Household birthdays —
- End-to-end encrypted sync —
Solo One person
Solo
One person
- Budget, loans, converter, money left Included
- Income sources Unlimited
- Savings goals 3
- Loan schedule Full
- Coach: 282 sourced tips Included
- Tip of the week Included
- Projects and events 6
- Wedding budget —
- Shared spaces —
- Household birthdays —
- End-to-end encrypted sync Included
Duo As a couple
Duo
As a couple
- Budget, loans, converter, money left Included
- Income sources Unlimited
- Savings goals Unlimited
- Loan schedule Full
- Coach: 282 sourced tips Included
- Tip of the week Included
- Projects and events Unlimited
- Wedding budget Included
- Shared spaces 1 space · 2 people
- Household birthdays —
- End-to-end encrypted sync Included
Family Up to 6 people
Family
Up to 6 people
- Budget, loans, converter, money left Included
- Income sources Unlimited
- Savings goals Unlimited
- Loan schedule Full
- Coach: 282 sourced tips Included
- Tip of the week Included
- Projects and events Unlimited
- Wedding budget Included
- Shared spaces 3 spaces · 6 people
- Household birthdays Included
- End-to-end encrypted sync Included
Prices are shown in the App Store and Google Play, in your currency, with a seven-day free trial. The person you invite into a space pays nothing. Cancel any time from your phone's settings.
Download the appThey use NETbudget
What users say
Public reviews pulled directly from the App Store and Google Play, refreshed at every site build.
F
Flo PAMBU
🇫🇷FR
Magnifique
Application génial pour toute personne qui souhaite gérer ses finances sans stress avec passion. Je recommande fortement
R
Riam-mnkz
🇫🇷FR
😉👌🏾10/10
Franchement, NetBudget est une super application elle est simple à prendre en main, claire et vraiment pratique pour suivre ses dépenses et gérer son budget sans prise de tête. Gr…
L
Laurenne_sahoua
🇫🇷FR
Pratique
Application très pratique et simple à utiliser. Ça me permet d’avoir une vue globale de mes revenues. Waohhh la meilleure application de finance que j’ai téléchargé
C
Cerfio1
🇫🇷FR
Pratique au quotidien
Cette application m’a permis de mieux voir mes budgets. J’aime bien la nouvelle fonctionnalité de convertir les devises. Très pratique pour voyager à l’étranger.😁
P
Paulotak
🇫🇷FR
Agréablement, surpris
Superbe application très ergonomique, et surtout avec une interface intéressante sans être trop surchargé, franchement ce site m’a permis de voir et de gérer plus mes dépenses. Je…
E
Elisabeth Q
🇫🇷FR
Super pour une débutante
Je suis débutante en budgétisation et ça m’aide à y voir plus clair. L’app est facile à utiliser, facile à comprendre. Je recommande.
M
Mymi17.
🇫🇷FR
Je recommande
Bonne compréhension de l’appli
L
Lariko1123
🇫🇷FR
Immersive
J’ai pu facilement me projeter sur douze mois. Je recommends
F
Flo PAMBU
🇫🇷FR
Magnifique
Application génial pour toute personne qui souhaite gérer ses finances sans stress avec passion. Je recommande fortement
R
Riam-mnkz
🇫🇷FR
😉👌🏾10/10
Franchement, NetBudget est une super application elle est simple à prendre en main, claire et vraiment pratique pour suivre ses dépenses et gérer son budget sans prise de tête. Gr…
L
Laurenne_sahoua
🇫🇷FR
Pratique
Application très pratique et simple à utiliser. Ça me permet d’avoir une vue globale de mes revenues. Waohhh la meilleure application de finance que j’ai téléchargé
C
Cerfio1
🇫🇷FR
Pratique au quotidien
Cette application m’a permis de mieux voir mes budgets. J’aime bien la nouvelle fonctionnalité de convertir les devises. Très pratique pour voyager à l’étranger.😁
P
Paulotak
🇫🇷FR
Agréablement, surpris
Superbe application très ergonomique, et surtout avec une interface intéressante sans être trop surchargé, franchement ce site m’a permis de voir et de gérer plus mes dépenses. Je…
E
Elisabeth Q
🇫🇷FR
Super pour une débutante
Je suis débutante en budgétisation et ça m’aide à y voir plus clair. L’app est facile à utiliser, facile à comprendre. Je recommande.
M
Mymi17.
🇫🇷FR
Je recommande
Bonne compréhension de l’appli
Privacy by default
Your data is yours, with or without an account
Without an account, everything stays on your phone: the only connection fetches exchange rates. With an account, whatever syncs is encrypted on your phone before it leaves, with a key we do not have. Never a bank connection, never ads, never trackers.
Without an account: nothing leaves your phone
With an account: end-to-end encrypted
No bank connection, no ads
Source code available on request
Behind the app
Stéphane Pizeuil
Indie maker · Software engineer
I designed, built and launched NETbudget on my own. The goal: a simple, honest personal-budgeting tool that respects your privacy and works anywhere in the world. No hidden business model — no ads, no data selling, no subscription.
Solo maker On the App Store 100% independent
Frequently asked questions
What people ask us most
Short, straight answers — including when the answer is not in our favour.
Is it really free?
Yes. The full budget, income, expenses, loans, money left, the 50/30/20 benchmark and the converter, is free with no time limit. An optional subscription adds syncing across devices, the Coach with tips adapted to your profile, projects and shared budgets. No advertising, ever.
Do I need an account?
Not for the budget, loans and converter: you can use them without ever giving an email address. An account is for finding your data on another device, sharing a budget as a couple or a family, and opening the projects and the Coach of 2.0. With an account, your data leaves end-to-end encrypted.
Where is my financial data stored?
Without an account, only in your phone's storage: nothing is sent. With an account, whatever you choose to save is synchronised, and end-to-end encrypted by default: the key stays on your phone, so we cannot read your data. Twelve words, viewable from your profile, let you recover that access on another device.
Does it work without internet?
Entirely, apart from two things: the converter's exchange rates, which need fetching once and are then cached, and syncing if you have an account. Your budget calculation itself depends on no server.
Does it work in my country?
The budget and converter work everywhere, in eight languages and with the major currencies. The advice depends on local law: France is covered in depth, while Belgium, Switzerland, Luxembourg, Canada, Spain, Portugal, Italy, Germany, the United Kingdom and several African countries are covered in part.
Ready to take back control of your money?
Download NETbudget and count your disposable income in under 5 minutes.
"You may say to yourself, 'My power and the strength of my hands have produced this wealth for me.' But remember the LORD your God, for it is he who gives you the ability to produce wealth, and so confirms his covenant, which he swore to your ancestors, as it is today."