For Windows · One-time purchase
Your money. Your computer.
Thirty dollars, once.
BudgetIQ is a complete personal finance command centre that runs entirely on your own PC. No subscription. No account to create. No data leaving your machine — ever.
The price
Pay once. It's yours.
Most budgeting apps rent you access by the year. BudgetIQ is software you buy, install, and keep — the way it used to work.
Windows 10 & 11 · Signed installer · All 1.x updates included free
What the alternatives cost
Competitor pricing as advertised at time of writing. Their subscriptions include bank syncing; BudgetIQ does not — see below.
What you get
Eighteen tools, one window
Everything below is included. There is no premium tier, no upsell, and nothing held back for a higher plan.
Dashboard
Your whole financial picture on one screen — balances, spending, and what's coming up.
Net worth
Track assets against debts over time and watch the line move.
Accounts
Checking, savings, credit, loans, and cash — all in one ledger.
Transactions
Fast entry, categories, search, and filtering that actually keeps up.
Recurring bills
Know what hits your account, and when, before it happens.
Cash flow calendar
A month-at-a-glance view of money in and money out.
Budgets
Set limits by category and see where you actually stand.
Envelopes
Classic envelope budgeting for people who think in buckets.
Savings goals
Name the target, track the progress, hit the number.
Debt payoff
Avalanche or snowball, with a real payoff date attached.
Debt simulator
Try "what if I paid $200 more" and see the years fall off.
Insights
Spending patterns and trends surfaced without you hunting for them.
Reports
Analytics and charts, with export to Excel when you need it elsewhere.
Portfolio
Track investment holdings alongside the rest of your money.
90-day forecast
Project your balance forward and spot the tight weeks early.
Tax planner
Federal bracket tables and planning tools built in.
Backup & restore
One click to a backup file, one click to restore on a new PC.
Light, dark & pirate
Three themes, because staring at your finances should at least look good.
Straight talk
What BudgetIQ doesn't do
There is no bank syncing.
You enter your transactions yourself. That is a real difference from YNAB, Monarch, or Quicken, and for some people it will be a dealbreaker — that's fair, and we would rather you know now than after you've paid.
It's also the reason BudgetIQ can promise what it promises. Nothing to sync means nothing to upload, no bank credentials to hand over, and no third party holding your financial history. Your data sits on your computer and goes nowhere else.
BudgetIQ is Windows 10 and 11 only. There is no macOS, Linux, iPhone, or Android version, and no web version.
Buying with confidence
Who you're buying from
Signed installer
Code-signed as Black Flag Guild LLC, a registered Virginia company — no "unknown publisher" warning on install.
Nothing phones home
No telemetry, no analytics, no account. Your license key is verified on your own machine, offline.
Free 1.x updates
Every update in the 1.x line is included at no extra cost, and you re-download it from your original purchase link whenever you like.
Refunds
If BudgetIQ isn't what you expected, email us within 14 days of purchase and we'll refund it. A person reads every request.
Stop renting your budget.
Thirty dollars, once. Installed on your PC, working offline, yours to keep.
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