Give every dollar a job.
Pay off debt faster.
BudgeTorch is a zero-based budget built to get you debt-free. Use it on your own, or share it with a partner. Either way, your budget stays on your phone.
Coming soon to AndroidBudget every dollar
Plan each month from your income until nothing is left to assign. Start from last month or a template, and save for bills that don't come every month.
Pay off debt faster
Snowball or avalanche: see the order, the interest, and your debt-free date, and how much interest extra payments save.
On your own or together
Everything works on one phone. Budgeting with someone? Pair two phones in person and changes sync between you, end-to-end encrypted. No one else, not even BudgeTorch, can read your budget.
Your data, your phone
No account, no ads, no tracking. Save a password-protected copy whenever you like.
Questions? See Support or email support@budgetorch.app. How your information is handled: Privacy policy.