Argyo AppsA budget app for any currency, with taxes optional
Updated: 2026-10-07 · By Andrei and Nada Argyo — they build SwissBudget+ in Lucerne and run their own budget this way.
A lot of budget apps assume one country: its currency, its tax rules, its bank formats. If you live elsewhere, move between countries or just want a plain household budget, you spend half your time fighting those assumptions. Here is what to look for.
Three things to check before you commit
- Your currency. Not just a symbol: amounts, separators and totals should all read correctly.
- Tax features you cannot turn off. A tax estimate built for another country is noise at best and wrong at worst.
- Where the data goes. Budget data says a lot about you. Prefer an app that keeps it on your device.
Budgeting in more than one currency
The simplest rule: one plan, one currency. If you earn and spend in euros, run a euro plan. If you also save in francs or dollars, keep a second plan for it and compare once a month, rather than converting every purchase.
Converting at a daily rate gives you precise numbers that mean little. A monthly check at one rate you write down is easier to keep up and good enough to steer by.
Taxes: include them, or leave them out
Whether your budget should include taxes depends on how you pay them.
- Taken from your pay before it arrives. Budget from the net figure and leave taxes out.
- Paid by you in a separate bill. Reserve a twelfth of the yearly amount each month, as if it were rent.
- Not sure yet. Start without, and add a reserve line once you know the first bill.
How SwissBudget+ handles it
SwissBudget+ was built for Swiss households, and it still works anywhere. You choose CHF, EUR or USD, or type your own currency code. If a plan is not in francs, the Swiss tax estimate and the Pillar 3a and health-insurance checks switch off automatically. In Switzerland you can turn the tax reserve off in your profile.
What remains is a plain budget: income, bills, goals and savings. Everything stays on your phone, with no account and no ads. It is free on Android.