Truth Number
A single take-home figure for each pay period. Every envelope draws from it. No double-counting, no fantasy math.
Budgeting · shame-free
Your money, your story — one receipt at a time.
Budqo is a paper-feel budget app for couples and solo earners. Track every peso through Envelopes, Goals, and Debts — and walk away with an Escape Plan, not a guilt trip.
beta · 2026
Budqo · JuneRCPT-2026-06
Truth Number
₱ 70,000
Rent envelopepaid₱ 18,000
Groceries envelope₱ 9,400 / 12k
Goal · Japan tripsaving₱ 6,200
Debt · Credit cardpaying₱ 4,500
Escape plandebt-free in 14 mo
The problem
Most budget apps lecture you with a pie chart and call it a plan.
You end every month staring at a graph that says you spent too much, then start the next month doing the exact same thing — because the app never told you what your money is for.
No truth number
Five accounts, three currencies, and a vague sense of ‘enough’ — until you’re suddenly not.
Goals live in your head
A trip, a wedding, a deposit — none of them sit on the same page as your spending.
Debt feels permanent
No timeline, no light at the end — just minimum payments and shame.
How it works
Three moving parts. One plan.
Budqo models your money as a small ledger of states. Every peso has a job, and every job rolls up into a single, knowable forecast — your Escape Plan.
Envelopes
Bills, groceries, his/hers spending — each gets a labeled envelope. You see what’s left, not what you’ve already spent.
Goals
Trips, weddings, an emergency fund. Each goal is a target with a date. Set money aside and watch the receipt grow.
Debts
Each debt is a balance with a payoff curve. Log a payment and watch your months-until-free shrink in real time.
The output
Your Escape Plan
A single number you can actually trust: months until your debts are cleared at your current pace. It updates the moment you log a payment.
14 mo
Features today
Everything you need to close the loop this month.
All shipped. All in your hands the moment you sign up.
His · Hers · Shared envelopes
Built for couples without forcing them into shared everything. Envelope scope is a first-class field.
Bill envelopes that track themselves
Set a bill amount. Mark expenses against it. Budqo auto-marks unpaid, partial, or paid.
Goals as receipts
Saving for a trip? Each top-up prints a line on the goal receipt. Backed by real envelope cash, not vibes.
Debt with a finish line
Every debt shows its payoff horizon. Pay extra → watch the date jump closer.
Recurring transactions
Salary, rent, subscriptions — set them once, and they post automatically with a full audit trail.
Demo mode
Click “Try Demo” on the login page. Spins up a pre-seeded Philippine sample workspace, and auto-deletes on sign-out.
Multi-wallet
BPI, GCash, cash drawer, savings — track where your money actually sits.
Privacy by default
No ads, no behavioral tracking, no selling your data. Export anytime. Delete account in one click.
On the way
roadmap · liveWhat ships next.
Honest roadmap. No vapor. Dates slip when they slip — and we say so.
Mobile app
Q4 2026iOS + Android. Same paper aesthetic. Same data.
Google sign-in + magic link
SoonSkip the password. Tap, tap, you’re in.
Bank sync
2027Auto-import transactions from PH banks and e-wallets. You stay in charge of categorization.
AI categorization
ExploringDrop a screenshot of a receipt — Budqo parses, suggests an envelope, you confirm.
Couples mode
In designShared workspaces with role-aware envelopes and activity feeds for two.
Multi-currency
PlannedUSD, EUR, JPY alongside PHP. Live FX or fixed-rate per envelope.
Pricing
Solo is free. Couple is one-time pay.
Solo covers your own money — 10 envelopes, forever free. Couple adds a second seat and lifts the envelope cap. Family + business tiers land later.
today
Free
available₱ 0
Everything you need to close the loop on your own money.
- Up to 10 envelopes
- Unlimited goals, debts, transactions
- Truth Number + Escape Plan
- Demo mode + full data export
- 1 personal workspace
Couple
available₱ 299
Pay once, invite your partner for free. Shared envelopes, his/hers scope, joint Escape Plan. Unlimited envelopes for both of you.
- Everything in Free
- Unlimited envelopes (Solo cap lifted)
- 2 seats — one purchase covers both
- Shared workspace + his/hers envelopes
- Joint goals + couple Escape Plan
Family
in progressTBD
For households running a single budget across parents + kids. Add more seats anytime.
- Everything in Couple
- 2–6 included members
- Per-member spending envelopes
- Add extra seats — pay only for what you use
Coming further out
Business
future—
- Team workspaces + roles
- Cashflow + runway forecasting
- Per-project envelopes
- Audit log + exports
Enterprise
futureTalk to us
- SSO + SCIM provisioning
- Dedicated support + SLA
- Custom integrations
- Procurement-friendly contracts
Close the loopStop budgeting against yourself.
Stop budgeting against yourself.
Start writing your story.
Free during beta. Set up in under five minutes. Cancel anytime — there’s nothing to cancel.