Budgetoria is a friendly money coach in your messages. It sends your family a short morning digest, answers "how much have we spent on groceries?", and gives you a heads-up before a category blows past its budget.
Connect your accounts through Plaid — the same secure, read-only connection trusted by major finance apps. We can see transactions; we can never touch your money.
Budgetoria drafts a realistic monthly budget from your actual spending — not a wish list. Tweak the numbers by text or on the web until they feel right.
A short digest every morning. Real answers anytime. A friendly heads-up when spending runs hot. Your whole family texts the same number.
Budgetoria lives in the one app your family already checks — Messages.
One short text each morning: where the month stands and the one or two categories worth attention. No app to remember to open.
Ask in plain English. Budgetoria computes the answer from your real transactions and texts it back in seconds.
Ambiguous purchase? You get a one-tap question, and your answer becomes a rule it remembers. Your categories stay clean without homework.
If dining is pacing to blow the budget on the 14th, you hear about it on the 14th — not in a sad month-end report.
Bank statements are full of cryptic descriptors. Ask and Budgetoria looks the merchant up, then tells you who they actually are — including when the prefix is just a payment processor.
Say "stop texting me every morning" and the digest stops — alerts keep coming. Ask how many texts are left this month and you'll get a straight number.
Pick the categories worth watching and up to three people who know you. Go over, and they hear about it. Willpower is easier borrowed.
That's the whole message. There isn't a version of it with your balance in.
We text a nominated person once, with a code and nothing else. Until they reply with it they hear nothing and learn nothing about you. If they say no, that's the end of it — you can't add them again.
They see your first name and the name of the category. No amount, no limit, no percentage, no merchant. One text per category per month at the very most.
Gentle for your mother, brutal for the friend who'll actually do something about it. Set it per person, change it whenever.
Budgets belong to the whole household, so a partner hears that the household went over a category you chose to watch — not what you personally spent. A kid's own budget can never set one off. Accountability partners are in early access while we test them with a handful of families. Ask for early access →
Budgetoria is built to know your spending — and to be incapable of anything else.
Banks connect through Plaid with read-only permissions. Your bank login never touches our servers, and no one — including us — can move money through Budgetoria.
Data is encrypted in transit and at rest on AWS. Access tokens are stored encrypted, chat history expires automatically, and we never sell or share your data. Ever.
Cancel with one click and your household's data — transactions, budgets, chat history, phone numbers — is deleted. It's your data; we're just borrowing it to help.
No tiers, no per-person math. Cancel anytime with one click.
No — and it never can. Bank connections are made through Plaid with read-only permissions. Budgetoria can see transactions to keep your budget current, but there is no mechanism for it to move, hold, or touch money.
Never. You log in on your bank's own page through Plaid — the same connection used by apps like Venmo. Budgetoria receives a limited, revocable, read-only token, not your credentials.
Everyone in your household texts the same Budgetoria number. Adults can view spending and change budgets; kids can ask questions ("do we have money for pizza?") but can't change limits. One subscription covers everyone.
Tell it. Reply to any check-in question, or text something like "that Costco charge was household" — it fixes the transaction and remembers the rule for next time.
One click in the billing portal, or email support@budgetoria.com. Your data is deleted after your billing period ends — no dark patterns, no retention offers.
No. Budgetoria summarizes your own spending in plain language and is not a financial adviser. AI-written messages can occasionally get things wrong, so verify big numbers against your bank before major decisions.
Wondering if Budgetoria fits your family, your bank, or your budgeting app? We answer fast — usually the same day.
Budgetoria is in free beta. Tell us a little about your family and what you’d use it for — we read every request and let people in a few at a time.
Try the demo while you wait