F
Flo PAMBU
🇫🇷FR
Magnifique
Application génial pour toute personne qui souhaite gérer ses finances sans stress avec passion. Je recommande fortement
Version 1.6 out now
Know what you really have left each month.
NETbudget computes your disposable income, applies the 50/30/20 rule and gives tailored advice. 100% on your phone — no account, no cloud, no ads.
Free. No ads. No data leaves your device.
All links here
Download NETbudget
Available on iPhone and Android. Free, no ads, no account.
Only 100 spots
The first 100 sign-ups get 2 months of Premium free
NETbudget Premium arrives mid-November 2026: shared budgets for couples and families, advice tailored to your situation, end-to-end encrypted sync. Sign up now to reserve your spot.
Reserve my spotNo card required. We'll email you at launch.
8
languages
15
currencies
558
cities
59
countries
App preview
Designed to get to the point
Three tabs, zero friction. Compute your budget, convert currencies, tune your preferences.
Capture à venir
/screens/budget.png 
Capture à venir
/screens/converter.png 
Capture à venir
/screens/settings.png Built for real life
Everything that matters on a single screen
Enter your income, rent, loans and expenses. NETbudget handles the rest.
Multiple income sources
Salary, freelance, rental, dividends… Each source has its own status and contribution rate.
50 / 30 / 20 rule
Your spending is split across Needs, Wants and Savings so you can immediately see where to act.
23 personalised tips
Debt ceiling 35%, rent ≤ 1/3 of net, 3-6 months emergency fund, investor profile — all based on your real numbers.
Worldwide coverage
558 cities across 59 countries, each with a cost-of-living index normalised to the country's national average.
Currency converter
15 currencies (USD, EUR, GBP, JPY, CFA franc, BRL, INR…) with live FX rates and conversion history.
Instant visualisation
A donut chart of your expenses and a 12-month projection with annual totals.
Clean PDF export
A clear document with totals, breakdown and advice, exported in your chosen language.
8 fully translated languages
French, English, Spanish, Portuguese, German, Italian, Arabic and Japanese — UI, advice and PDF report.
100% on-device
No data leaves your phone. No account. No tracking. No ads.
Version 1.6
The big international update
NETbudget moves from a French budgeting companion to a worldwide tool — without compromising on privacy.
- 1
8 fully translated languages
French, English, Spanish, Portuguese, German, Italian, Arabic and Japanese.
- 2
558 cities / 59 countries
Two-step picker: pick your country, then your city grouped by region.
- 3
Currency converter
15 currencies with live exchange rates and history.
- 4
Clickable public sources
Numbeo, Eurostat, OECD, INSEE, Mercer, EIU, World Bank, BLS.
- 5
Tab-based navigation
Budget, Converter and Settings — one tap to switch.
- 6
Translated advice
23 personalised tip cards translated across all 8 languages.
They use NETbudget
What users say
Public reviews pulled directly from the App Store and Google Play, refreshed at every site build.
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
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
Without an account, your data stays on your phone
NETbudget works entirely offline: no account to create, none of your finances on a server, no trackers. The only connection fetches exchange rates. If you subscribe, syncing becomes possible — and you decide what gets stored.
No account required
Nothing sent without an account
No ads, no trackers
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, disposable income, the 50/30/20 rule, the converter — is free with no time limit. An optional subscription adds syncing across devices, shared budgets and tailored advice. No advertising, ever.
Do I need an account?
No, and that is a design choice. You can install the app and use it without ever giving an email address. An account only becomes useful if you want your data on another device or want to share a budget with someone.
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."