The first budgeting app that works in a text message. Log expenses in 5 seconds via SMS or WhatsApp. AI does the math. You stay on budget — without opening a single app.
From $5.99/mo · Cancel anytime · Works on any phone
Any phrasing works. The AI figures out merchant, amount, and category — and you get an instant reply.
Built for humans who'd rather text than open another app.
Works over plain SMS on any phone — and WhatsApp on Pro & Business. No app downloads, no bank linking, no nonsense.
Gemini-powered merchant & category detection in real time.
Get pinged the moment a budget hits 80% or breaches.
Couples, families & teams on one budget. Role-based access.
"At this rate you'll overspend by $84." We tell you before it hurts.
Snap a photo, text it in, or email it. AI extracts merchant, amount, tax, items. Tax-ready exports built in.
Spotify-style year-end recap, every single month.
Stay on track day after day. Unlock badges as you go.
Split dinner over SMS. Track who owes whom. Auto-nudge.
Other apps want you to log in. We want you to text and forget.
Plain SMS works on flip phones, kid phones, prepaid phones — anywhere a text can land. Competitors require WhatsApp or a smartphone app.
Build a daily-logging streak and unlock achievements as you hit milestones — gamified habit-building, not a chore.
A visual Spotify-style recap of every month. Streaks, achievements, top categories, biggest splurge. Actually fun to open.
Receipt OCR, photo & PDF attachments, email intake, invoice link parsing — features that cost 3× more elsewhere.
Friend pays for 2 months → you get a free month, automatically credited. Forever. No lifetime limit.
Not 7 days. Not just Basic. Every plan, every user, 14 days, cancel in one click.
Most budgeting apps fail because logging an expense takes longer than the coffee you just bought. BudgeFlow flips that: envelope budgeting, real-time alerts, and shared workspaces for couples and families — all driven by a text message. No bank linking, no app to open, no 30-minute Sunday review.
SMS budgeting means logging every expense by sending a short text to your BudgeFlow number. The AI parses the merchant, amount, and category, updates the right envelope, and texts you back how much you have left — in under three seconds. Works on flip phones, kid phones, and every smartphone ever made. WhatsApp is supported on Pro and Business with the exact same commands.
A budget tracker only works if you remember to log things. BudgeFlow lives in the app you check 80 times a day — Messages. Build a daily-logging streak, get a Spotify-style Monthly Wrapped, and let AI flag overspend before it happens. Free 14-day trial on every plan, then $5.99/mo.
Every plan starts with a 14-day free trial. Cancel anytime.
Solo SMS budgeting
Everything you actually want
Receipt-grade for SMBs & freelancers
*Unlimited SMS subject to fair-use limits to prevent abuse.
| Feature | Basic | Pro | Business |
|---|---|---|---|
| Price | $5.99/mo | $10.99/mo | $19.99/mo |
| SMS expense logging | 100 seg/mo | 250 seg/mo | 250 seg/mo |
| WhatsApp support | — | ✓ | ✓ |
| AI auto-categorization | — | ✓ | ✓ |
| Shared workspaces | — | ✓ | ✓ |
| Account Management | — | ✓ | ✓ |
| Balance tracking & net worth | — | ✓ | ✓ |
| Transfers between accounts | — | ✓ | ✓ |
| Credit card management | — | ✓ | ✓ |
| SMS account commands | — | ✓ | ✓ |
| IOU & bill splitting | — | ✓ | ✓ |
| Spending predictions | — | ✓ | ✓ |
| Monthly Wrapped | — | ✓ | ✓ |
| Streaks & achievements | — | ✓ | ✓ |
| Receipt OCR (AI) | — | — | ✓ |
| Photo + PDF attachments | — | — | ✓ |
| Email-to-receipt | — | — | ✓ |
| Invoice link parsing | — | — | ✓ |
"I finally stuck to a budget. Texting takes 3 seconds — opening Mint takes 3 minutes I never had."
"Savage mode roasted me into saving $400 last month. Worth every cent."
"Our whole family logs into the same workspace. Allowances, groceries, soccer fees — all in one thread."
14 days on us. No card to explore. Cancel anytime in one click.