Pigi Budget

Pigi Budget is a personal finance application designed to help you take control of your monthly income by building a clear, flexible, and actionable zero-based budget. Instead of guessing how much you have left to spend or feeling anxious about end-of-month surprises, Pigi turns your income into a structured plan where every dollar has a specific job. The app is built for anyone who feels like they are winging it financially, from young professionals managing their first real budget to families trying to balance bills, savings, and fun. It solves the common problem of money stress by providing a simple, visual way to assign money to categories like bills, groceries, subscriptions, savings, and everyday spending. You can then track expenses as they happen, see exactly what is safe to spend in any category, and adjust your plan when life throws a curveball. Pigi also helps you prepare for non-monthly expenses like annual subscriptions or holiday gifts, so nothing catches you off guard. With features like quick entry for transactions, monthly insights, exportable reports, and Face ID protection, Pigi makes budgeting feel less like a chore and more like a reliable guide. The main value proposition is simple: spend on purpose, not by accident, and reduce the financial anxiety that comes from not knowing where your money went.

Zero-Based Budget Builder

Pigi helps you build a zero-based budget where your income minus your expenses equals zero. This means every dollar you earn is assigned a job, whether it is for rent, groceries, dining out, savings, or an emergency fund. The app guides you through the process of starting with what you have, splitting money into clear categories, and making sure nothing is left unplanned. This approach eliminates the guessing game and gives you a precise, actionable plan from day one.

Real-Time Spending Tracker

Once your budget is set, Pigi tracks your expenses as they happen. You can log transactions like a coffee purchase or a grocery run, and the app instantly updates how much is left in that category. This feature shows you what is safe to spend at any moment without needing to check your bank account. It also highlights overspending in real time, so you can cover it or adjust your plan before the month ends.

Subscription and Renewal Monitoring

Pigi keeps an eye on your recurring subscriptions and bills, including yearly costs that often sneak up on you. The app tracks renewals for services like Netflix, Spotify, or gym memberships and shows you the total annual cost. This feature helps you avoid surprise charges and makes it easier to decide if a subscription is still worth it, giving you a clear picture of your ongoing financial commitments.

Monthly Insights and Exportable Reports

At the end of each month, Pigi provides a summary of your spending patterns, showing where your money went and how well you stuck to your plan. You can review these insights to make smarter decisions next month. The app also lets you export reports, which is useful for sharing with a partner, a financial advisor, or for your own record-keeping. This feature turns your budget data into actionable knowledge.

Managing a Tight Paycheck-to-Paycheck Budget

For the 67% of Americans living paycheck to paycheck, Pigi is a lifeline. You can assign every dollar from your paycheck to essential bills, groceries, and transport first, then allocate what is left to savings and small treats. The real-time tracker ensures you never overspend on non-essentials, and the zero-based approach helps you build a small emergency fund over time, reducing the panic of surprise expenses.

Planning for Irregular or Annual Expenses

Many people struggle with expenses that do not show up every month, like annual software subscriptions, holiday gifts, or car insurance. Pigi lets you set aside a little each month for these costs, so when the bill arrives, the money is already there. This use case is perfect for anyone tired of scrambling to cover a $200 annual fee or a $500 holiday shopping list.

Saving for a Specific Goal

Whether you are saving for a vacation, a new laptop, or an emergency fund, Pigi turns your goal into a line item in your monthly budget. You can assign a specific amount each month to a goal category and track your progress. Because the money is planned and not just leftover, you are far more likely to reach your target without feeling guilty about spending on other things.

Couples or Families Collaborating on Finances

Pigi is ideal for households where multiple people spend from shared accounts. The app provides a clear, shared view of the budget, showing exactly how much is left in categories like groceries, dining out, or household items. This transparency reduces arguments about money and helps everyone stay on the same page, making it easier to cover overspending together and celebrate when goals are met.

How does Pigi differ from just using a spreadsheet or my bank app?

Pigi is designed to be more proactive and visual than a spreadsheet or bank app. While a spreadsheet requires manual setup and your bank app only shows past transactions, Pigi helps you plan ahead by giving every dollar a job at the start of the month. It then tracks spending in real time and shows what is safe to spend, reducing the mental math and anxiety. It also handles non-monthly expenses and subscriptions, which spreadsheets often miss.

Can I use Pigi with multiple bank accounts and credit cards?

Yes, Pigi is designed to work with your overall financial picture, not just a single account. You can track expenses from multiple sources like a checking account, a credit card, and a savings account all in one budget. When you log a transaction, you assign it to the correct account and category, giving you a complete view of your spending without switching between apps.

What happens if I overspend in a category?

Overspending is not a failure in Pigi; it is a signal to adjust. When you go over in a category, the app alerts you and shows you how much you have overspent. You can then choose to cover the overspending by moving money from another category, like taking a little from your fun money to cover extra groceries. This flexibility helps you stay in control without derailing your entire budget.

Is my financial data safe with Pigi?

Yes, Pigi takes your privacy and security seriously. The app includes Face ID protection to ensure only you can access your budget. Your financial data is encrypted and stored securely. Pigi does not share your personal information or transaction details with third parties. You can also export your reports for your own records, giving you full ownership of your data.