BudgetHeld beta
Most tools show you where your money went.
BudgetHeld shows you where your money should go.
The free financial planner for families that doesn't just help you get by – it helps you build.
Start for free now- No credit card needed
- Set up in minutes
- On phone, tablet & PC
The month isn't over yet –
but the money already is.
At the end you're often left with just one question: where did it all go again?
That ends now.
Clarity. Control. A financial buffer.
See instantly what's left over
All income and expenses at a glance.
Know where your money goes
Your categories show you the truth.
Build a buffer step by step
For more security and less stress.
Remaining this month
+584 €
After all expenses
Income
4.210 €
+8% vs. last month
Expenses
-3.626 €
-5% vs. last month
Savings rate
11 %
Great! Keep going 💪
Your buffer
Buffer ALMOST THERE!
95 %12.018 € of 12.630 € goal
Remaining: 612 €
Everything you need.
Simple & fast
Set up in 10 minutes
Free to start
No subscription, no credit card
For families
Built for your everyday life
Safe & private
Your data belongs to you
Available everywhere
On phone, tablet or PC
More peace of mind
Because your money is under control
What our users say
BudgetHeld has really changed things for us. Suddenly we both had a clear overview of our financial situation — not just me, but also my wife. That took a lot of pressure off.
For the first time, we could honestly look at where we stand together and talk about it without it feeling uncomfortable. It's no longer just a feeling of ‘something isn't right' — we now see concretely where we are and where we want to go.
Above all, it helped us think as a team. We now share a common understanding and are working toward a shared goal. That doesn't just bring clarity — it brings real relief in everyday life.
— Martin P. from 🇦🇹
Get clarity about your money now
Start your free financial plan today – for more freedom, security and a good feeling.
Start for free now- No credit card needed
- Set up in minutes
- On phone, tablet & PC
Frequently asked questions
Is BudgetHeld really free?
Yes. You can use BudgetHeld free of charge and start right away. For the free base version you don't need a credit card and there's no commitment.
Should we offer additional features in the future, they will always be optional. The free base version of BudgetHeld is meant to remain accessible to everyone, long-term.
Do I have to connect my bank account?
No. And that's intentional.
BudgetHeld is here to help you become more aware of your money — not just import data from your bank. When you plan your income, fixed costs, and reserves yourself, something emerges that no automatic connection can deliver: clarity.
Your banking data stays with your bank. You keep full control of your finances at all times.
What's the difference from an expense tracker?
Many expense trackers require you to document every expense, scan receipts, or categorize transactions. That's often tedious — which is exactly why many people give up after a short while.
BudgetHeld takes a different approach. Instead of tracking every single expense, BudgetHeld helps you plan your money intentionally and build better habits.
Our goal isn't to create more work. Our goal is to make handling money easier, more intentional, and more sustainable.
What happens to my data?
Your data belongs to you.
All data is stored encrypted and used exclusively for running BudgetHeld. Your information is protected and can be deleted along with your account at any time.
Trust is the foundation of BudgetHeld — which is why we take security and privacy seriously.
What do I need to get started today?
Not much, really.
BudgetHeld was built for people who want to organize their finances simply and clearly. You don't need Excel skills, financial knowledge, or to understand complicated jargon.
If you know what comes into your account and roughly where your money goes, you can start with BudgetHeld right away. The planner walks you through the entire process step by step.
Who is BudgetHeld for?
BudgetHeld is for families, couples, and individuals who finally want to get a handle on their finances.
Whether you're just starting out or have been trying to save more for a while — BudgetHeld helps you build a clear plan and grow financial security step by step.
What sets BudgetHeld apart from other finance apps?
BudgetHeld was built to address where financial change really begins: with your habits and decisions.
We believe financial security comes from clarity, priorities, and intentional handling of money. That's why BudgetHeld focuses on the essentials and helps you strengthen exactly those foundations.
Instead of analyzing ever more data or piling on new features, BudgetHeld helps you tackle the root cause of most money problems: missing overview, missing planning, and unconscious decisions.
That's what sets BudgetHeld apart from many other finance apps.