Bufy
The facts below are what the maker publishes about Bufy, checked and dated. Our editors have not written about it yet.
Plans and prices
From Bufy's own pricing page, checked 11 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Free | Free | Invite-only access during current rollout · Weekly budget tracking · Transactions and recurring payments · Investment and credit tracking · AES-256 zero-knowledge encryption · forever |
| Pro | €4.99 a month | Coming soon · Advanced insights and reporting · More automation and premium tools · Save €10/year with annual billing (€49.99/year) |
| Family | €14.99 a month | Coming soon · 4 Pro accounts included · Priority support · Family budget management and coordination · Save €30/year with annual billing (€149.99/year) |
The facts
Each one read from Bufy's own pages, with the date it was checked.
What it does
- Access and age
- The service is currently invite-only, and its terms require users to be at least 16 years old.checked 11 Oct 2026
- Account sync
- manualchecked 22 Sep 2026
- Bank connections
- Bufy says it works without bank connections and its investment tracker does not fetch live prices, so investment values are updated manually.checked 11 Oct 2026
- Bills
- Users can track upcoming bills, subscriptions, and recurring payments with due dates, amounts, and paid or pending status.checked 11 Oct 2026
- Bill tracking
- Yeschecked 22 Sep 2026
- Budgeting tools
- Yeschecked 22 Sep 2026
- Budget methods
- The user guide describes configuring Bufy for Anti-Budget, 50/30/20, Zero-Based, Envelope, Pay Yourself First, or Kakeibo budgeting.checked 11 Oct 2026
- Budget tracking
- It recalculates daily, weekly, and monthly budget positions from transactions, carrying overspending forward and rolling underspending into later periods.checked 11 Oct 2026
- Encryption
- The maker says financial data is encrypted in the browser before transmission using AES-256-GCM, with a password-derived key and a second server-side encryption layer.checked 11 Oct 2026
- Integrations and API
- Bufy publishes an integration reference for building mobile clients, automation, exports, or dashboards using Bufy data.checked 11 Oct 2026
- Investments and credit
- The app supports investment tracking with XIRR calculations and credit card usage tracking.checked 11 Oct 2026
- Privacy and hosting
- Bufy says it does not sell personal data, is GDPR compliant, and hosts its service in the EU; its privacy policy notes that some providers may process limited technical data outside the EU/EEA with safeguards.checked 11 Oct 2026
- Purpose
- Bufy is an encrypted personal budgeting app that calculates how much users can spend after bills, savings, and fixed commitments.checked 11 Oct 2026
- Recovery limit
- Account recovery uses a 24-word code, and the maker says email password reset is impossible by design because it cannot decrypt users’ data.checked 11 Oct 2026
- Report export
- Yeschecked 22 Sep 2026
- Support
- The maker invites users to contact it with questions or for a live walkthrough and says it replies personally.checked 11 Oct 2026
The company
- Company
- Bufy is built in Estonia by OÜ Digitechnology, registered at Seebi tn 1-703, Tallinn, Harjumaa.checked 11 Oct 2026
- Headquarters
- Tallinn, Estoniachecked 28 Sep 2026
Money
- Free plan
- Yeschecked 22 Sep 2026
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