# Budget Pro

> Budget Pro is a free, secure budget planner and expense tracker with its own AI assistant, Angel, that understands English, Hindi and Gujarati. Track income, expenses, EMIs and savings goals, set category budgets, get accurate suggestions, 16 free money calculators and a monthly 50/30/20 analysis — by voice or chat.

Budget Pro (https://budget.dhrumilpanchal.in) is a web app with Android and iPhone apps, built by Dhrumil Panchal. Its built-in AI assistant, Angel, is developed in-house (no third-party AI) and understands English, Hindi (हिंदी), Gujarati (ગુજરાતી) and Hinglish by voice or text. The Free plan is free forever; paid plans start at ₹50 a month.

## Key facts
- Category: personal finance — budget planner, expense tracker, EMI/loan tracker, savings goals
- Languages: English, Hindi, Gujarati, Hinglish (AI assistant); UI in English
- Currencies: 45+ (INR, USD, EUR, GBP, AED, SAR, SGD, AUD, CAD…)
- Security: email-verified sign-up (OTP), Argon2id passwords, HttpOnly sessions, end-to-end encrypted API payloads
- No bank login required; data is never sold
- Plans: Free ₹0 · Plus ₹50/month · Pro ₹100/month · Unlimited ₹500/month (UPI / card / netbanking via Razorpay, no auto-renewal). Every plan includes Angel AI; limited plans get credits that refill every few hours.
- Angel without an account: visitors can ask money questions, run calculations (EMI, SIP, FD, GST, tax, currency) and get web answers with sources.
- Free calculators (no sign-up): income tax FY 2026-27 (new vs old regime), EMI, SIP, FD, RD, PPF, GST, inflation, loan prepayment, compound interest, retirement, emergency fund, net worth, currency converter, 50/30/20 budget, savings goal

## Pages
- [Budget Pro — AI budget planner & expense tracker](https://budget.dhrumilpanchal.in/): Budget Pro is a free, secure budget planner and expense tracker with its own AI assistant, Angel, that understands English, Hindi and Gujarati. Track income, expenses, EMIs and savings goals, set category budgets, get accurate suggestions, 16 free money calculators and a monthly 50/30/20 analysis — by voice or chat.
- [Features](https://budget.dhrumilpanchal.in/features): Everything in Budget Pro: income & expense tracking, category budgets, EMIs, savings goals, analytics, realtime sync, push reminders and bank-grade security.
- [Angel AI — your multilingual money assistant](https://budget.dhrumilpanchal.in/angel-ai): Angel is Budget Pro's own AI. Ask about your money in English, Hindi or Gujarati — by voice or text — and get accurate answers, reasons and suggestions from your real data.
- [Pricing](https://budget.dhrumilpanchal.in/pricing): Free forever, or Plus ₹50, Pro ₹100 and Unlimited ₹500 a month. Every plan includes Angel AI; pay with UPI, card or netbanking.
- [Free money calculators](https://budget.dhrumilpanchal.in/tools): 16 free calculators: income tax (FY 2026-27), EMI, SIP, FD, RD, PPF, GST, retirement, loan prepayment, currency converter and more — no sign-up.
- [EMI calculator](https://budget.dhrumilpanchal.in/tools/emi-calculator): Calculate your loan EMI, total interest and full repayment instantly — home, car, personal or education loan.
- [50/30/20 budget planner](https://budget.dhrumilpanchal.in/tools/budget-planner): Split your monthly income into needs, wants and savings with the 50/30/20 rule — free budget calculator.
- [Savings goal calculator](https://budget.dhrumilpanchal.in/tools/savings-goal-calculator): Find out how much to save every month to reach any goal by your target date.
- [SIP calculator](https://budget.dhrumilpanchal.in/tools/sip-calculator): Estimate how a monthly SIP grows with compounding over time.
- [Income tax calculator (FY 2026-27)](https://budget.dhrumilpanchal.in/tools/income-tax-calculator): Compare new vs old tax regime for FY 2026-27 — slabs, 87A rebate, surcharge and cess, with your monthly TDS.
- [FD calculator](https://budget.dhrumilpanchal.in/tools/fd-calculator): Fixed deposit maturity and interest with quarterly, monthly or yearly compounding.
- [RD calculator](https://budget.dhrumilpanchal.in/tools/rd-calculator): Recurring deposit maturity value and interest for any monthly amount and tenure.
- [PPF calculator](https://budget.dhrumilpanchal.in/tools/ppf-calculator): Public Provident Fund maturity, interest and year-by-year balance — tax-free returns.
- [GST calculator](https://budget.dhrumilpanchal.in/tools/gst-calculator): Add or remove GST from any price with CGST, SGST and IGST split.
- [Inflation calculator](https://budget.dhrumilpanchal.in/tools/inflation-calculator): See what things will cost in the future and how inflation reduces the value of money.
- [Loan prepayment calculator](https://budget.dhrumilpanchal.in/tools/loan-prepayment-calculator): How much interest and how many years you save by prepaying your home or personal loan.
- [Compound interest calculator](https://budget.dhrumilpanchal.in/tools/compound-interest-calculator): Future value of a one-time investment with yearly, quarterly or monthly compounding.
- [Retirement calculator](https://budget.dhrumilpanchal.in/tools/retirement-calculator): How big a retirement corpus you need and the monthly SIP to get there.
- [Emergency fund calculator](https://budget.dhrumilpanchal.in/tools/emergency-fund-calculator): Your ideal emergency fund and how many months it will take to build it.
- [Net worth calculator](https://budget.dhrumilpanchal.in/tools/net-worth-calculator): Add up what you own and what you owe to see your real net worth.
- [Currency converter](https://budget.dhrumilpanchal.in/tools/currency-converter): Live exchange rates for 45+ currencies — USD, EUR, GBP, AED, SAR, SGD and more to INR.
- [FAQ](https://budget.dhrumilpanchal.in/faq): Answers about Budget Pro: security, Angel AI languages, budgets, goals, EMIs, plans and data privacy.
- [About](https://budget.dhrumilpanchal.in/about): Why Budget Pro exists and who builds it.
- [Create a free account](https://budget.dhrumilpanchal.in/register): Create your free Budget Pro account in under a minute.
- [Sign in](https://budget.dhrumilpanchal.in/login): Sign in to Budget Pro.
- [Privacy policy](https://budget.dhrumilpanchal.in/privacy): How Budget Pro collects, uses and protects your data.
- [Refund & cancellation policy](https://budget.dhrumilpanchal.in/refund-policy): Refunds and cancellations for Budget Pro paid plans — no auto-renewal, 7-day refunds.
- [Contact](https://budget.dhrumilpanchal.in/contact): Contact Budget Pro for account, payment or refund questions.
- [Terms of service](https://budget.dhrumilpanchal.in/terms): The terms for using Budget Pro.

## FAQ
- Is Budget Pro free? Yes. The Free plan includes 100 finance records, 3 savings goals, dashboards, budgets, realtime sync and Angel AI (20 credits every 5 hours). Plus (₹50/month), Pro (₹100/month) and Unlimited (₹500/month) raise the limits; Unlimited has no limits at all. Plans are paid monthly with UPI, card or netbanking and never auto-renew.
- What is Angel AI? Angel is Budget Pro's own AI assistant, built in-house without any third-party AI service. It answers questions about your money from your real data, explains why things changed, plans savings, checks budgets and goals, does EMI / SIP / FD / tax maths, and can add, edit or delete entries for you — by voice or chat. General questions are looked up on the web with sources. You can even try it without an account.
- Which languages does Angel understand? English, Hindi (हिंदी), Gujarati (ગુજરાતી) and Hinglish / romanised Gujarati — in native script or English letters, typed or spoken. Replies come in the language you ask in, or the one you choose in Settings.
- Is my financial data safe? Passwords are hashed with Argon2id, sessions use HttpOnly secure cookies, every API request and response is end-to-end encrypted on top of HTTPS, data is strictly isolated per user, and every sensitive action is audited. Budget Pro never sells your data.
- Do I need to connect my bank account? No. You add income and expenses yourself (or just tell Angel, e.g. “petrol 500”). Salary, rent and bills can auto-repeat every month.
- How do budgets work? Set a monthly limit per category (or for the whole month). Budget Pro shows what's left, what you can spend per day, projects month-end spending, and notifies you at 80% and 100%.
- How does Budget Pro know if my savings goal is on track? It compares how much you've saved with how much you should have saved by today, tracks your real monthly saving pace from your contribution history, and projects the finish date — so you know early if you're behind.
- Can I use it in other currencies? Yes. Budget Pro supports 45+ world currencies, including INR, USD, EUR, GBP, AED, SAR, SGD, AUD and CAD, with correct local number formatting.
- Does it work on mobile? Yes. It's fully responsive and can be installed on your home screen (Android and iPhone) like an app, with push notifications for EMI reminders and budget alerts.

## More
- [Full text for AI](https://budget.dhrumilpanchal.in/llms-full.txt)