BudgetZen - The world's most private AI-powered budgeting app

Hi Product Hunt community! I am the indie developer behind "Byrsa Team", and after months of work, I am incredibly proud to launch BudgetZen today. 🧘‍♂️💰 🔥Note: Check out our limited LifeTime launch offer below!🎁 I built this app out of pure frustration with modern personal finance tools. Most of them force you to create an account, sync your sensitive bank credentials to insecure clouds, and secretly monetize your spending data. I wanted to take a radical approach: What if a financial app could be as powerful as a bank, but as private as your personal diary? That’s how BudgetZen was born. It is engineered around absolute privacy. No account. No cloud. No tracking. It works 100% offline. Here is what makes BudgetZen unique: 🧠 On-Device AI Coach: All spending analysis and end-of-month predictions happen directly on your phone. Not a single byte of data ever leaves your device. ⚖️ Zero-Based Budget Mode: Give every dollar a job with a live counter that hits zero when your monthly plan is perfectly balanced (includes 1-tap 50/30/20 rule auto-distribution). 📋 Classic Budget Mode: Track as you go. On-device AI analyzes your spending habits, detects unusual spikes, identifies hidden subscriptions, and predicts your end-of-month balance. Perfect for everyday use. 🏆 Zen Score: Gamify your financial health with local metrics and 20 achievement badges. 🏦 Smart CSV Bank Import: No risky live banking sync. Just drag and drop your bank's CSV (Revolut, N26, etc.), and our local algorithm auto-categorizes your transactions. 🌍 Globally Ready: Available in 10 languages (EN, FR, DE, ES, IT, PT, JP, AR, KO, TR) and 60+ currencies. BudgetZen is free to try with unlimited transactions! 🎁 PRODUCT HUNT LAUNCH SPECIAL: To celebrate our launch, we have opened a limited number of slots for our LifeTime plan! As stated inside the app, the Lifetime option is a limited offer only available in restricted quantities per launch wave to ensure sustainable development. If you want to skip subscriptions and secure your private financial diary forever, grab one of the available slots before they run out! 💰🚀 I’m here all day to answer your questions, listen to your feedback, and take feature requests. Thank you so much for supporting Byrsa Team! 🚀 What is your number one priority when managing your personal budget? Let me know below! 🛠️ Full Features & Specs Breakdown: 100% Local & Private: All financial data stays on your device. No servers, no cloud, no account required. Your money, your rules, your device. Unlimited Transactions & Budgets: No artificial limits on transactions or budgets even in the free version. Full tracking without friction. Zero‑Based Budgeting (ZBB): Assign every dollar a job with manual allocation until the balance reaches zero. Includes automatic 50/30/20 distribution. Classic Mode: Track as you go. On-device AI analyzes your spending habits, detects unusual spikes, identifies hidden subscriptions, and predicts your end-of-month balance. Perfect for everyday use. On‑Device AI Insights: 12 types of insights generated locally (spending velocity, implicit recurring transactions, deficit alerts, etc.). No data sent to the cloud. Zen Score & Badges: Gamified financial health score (0‑100) with 20 unlockable badges. 3 free, all 20 in Premium. Makes budgeting addictive. Multi‑Currency & Multi‑Language: Supports 60+ currencies and 10 languages, including full right‑to‑left (RTL) support for Arabic. Truly global. Advanced Analytics & Charts: Pie, bar, balance evolution curve (Premium), and revenue vs. expenses dual bar (Premium). Beautiful, SVG‑native charts. Project Simulator with Competition Mode: Plan house, car, travel, education goals. Get feasibility scores, risk analysis, and competitive resource allocation. Quick Goal Tracker: Set a simple savings target, see progress, and get a monthly needed amount. Perfect for short‑term motivation. Recurring Transaction Reminders: Schedule and manage push‑notification reminders for periodic bills, subscriptions, or salaries. CSV Import/Export: Import bank statement CSVs with automatic category detection. Export data in CSV, JSON, TXT, PDF for external analysis. Weekly Financial Coach: Personalized weekly summary notification. Free version shows basics; Premium adds savings opportunities. Monthly PDF Report (Premium): Auto‑generated comprehensive monthly report with charts, budget tables, project progress, and AI insights. Family Sharing (Premium): Securely share budgets with family members via encrypted .bz files. No cloud involved – pure local encryption. Affordable Premiums: Unlock everything for a fraction of the cost of traditional cloud alternatives. No hidden fees, cancel anytime.