Question 1

Is Budgefy really free?

Accepted Answer

Yes. The free plan is permanent — not a trial. You get bank connections, full transaction management, budget tracking, net worth dashboard, custom categories, and auto-categorization rules. No credit card required to sign up.

Question 2

How does bank connection work? Is it secure?

Accepted Answer

We use Plaid, the same service used by Venmo, Cash App, and thousands of financial institutions. Your bank credentials are never stored on our servers. All data is encrypted with 256-bit SSL and we follow bank-level security standards.

Question 3

Can I use Budgefy without connecting a bank?

Accepted Answer

Absolutely. You can add accounts manually — checking, savings, credit cards, loans, and investment accounts. You can also create transactions manually for complete control over your financial data.

Question 4

What makes the rules engine special?

Accepted Answer

Unlike other apps that auto-categorize with opaque AI, Budgefy lets you build your own rules. Create conditions using AND/OR logic, match on merchant names, amounts, payment channels, and more. Your rules auto-apply every time your bank syncs — and you can apply them retroactively to existing transactions.

Question 5

What are the Strategy Page and Smart Planner?

Accepted Answer

Premium features that go beyond simple tracking. The Strategy Page gives you a personalized roadmap from debt to wealth. The Smart Planner creates optimized payoff schedules, recommends actionable steps like refinancing or balance transfers, and includes a proprietary hybrid wealth-building strategy that works alongside your debt payoff. You don't just see where your money goes — you see exactly how to make it work harder.

Question 6

How does the AI assistant work?

Accepted Answer

Free users get 5 AI messages per period. Premium users get 100. Ask questions about your spending patterns, get budget suggestions, or analyze your financial trends. The assistant is trained on your actual transaction data for personalized insights.

Question 7

Can I cancel premium anytime?

Accepted Answer

Yes. Cancel anytime from Settings > Billing. Your premium features remain active until the end of your billing period. You can always continue using the free tier afterward — your data is never lost.

Question 8

Can I talk to someone about my situation?

Accepted Answer

Yes. You can sit down 1-on-1 with a financial educator who'll analyze your situation, map out your fastest path to debt elimination, and build a personalized roadmap. No prep on your end, no sales pitch — just your plan.

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