Argyo Apps
Swiss budgeting
SwissBudget+
Plan your household budget on your phone. Your financial data stays on your phone.
Available on Google Play
- Made in Switzerland
- Swiss tax estimates
- 10 languages
- Free, no ads
What it is
A clearer picture of your household finances.
Keep track of your income, bills, taxes and savings in one place.
Smart budgeting
Track income and expenses by category, carry balances month to month, and always know where you stand.
Swiss taxes by canton
Built on the official ESTV tax figures for every canton, adjusted to your municipality, marriage, children and 13th salary. Plan ahead with a tax estimate.
Savings goals & net worth
Set goals, watch them fill up, and see your full net worth — assets, savings and all — at a glance.
Yearly bills, paid monthly
Tax, Serafe, insurance: every bill that arrives once a year gets a small monthly reserve, so no single month takes the whole hit.
3a, health insurance, projects
Track your pillar 3a and what it saves you in tax, get a nudge when health insurance premiums change, and keep a holiday or a move as its own project.
Family-friendly, start to finish
Plan for one person or the whole household, with multiple incomes and shared goals. No ads, distractions or outside content, just your household budget.
New in 1.4
Accounts and transfers
Track several accounts and move money without counting a transfer as income or spending.
Bills and dates
See bills in a calendar and follow a yearly Swiss admin checklist.
Category caps
Set spending limits, with optional rollover for unused amounts.
Find expenses faster
Save favourite expenses and search your history.
Foreign currency and debt
Record foreign purchases in CHF and plan a debt payoff date.
Household shares
See who paid what, who owes whom, and tax payments beside your reserve.
Before you decide
A job offer in another canton? Try it first.
Salary and canton decide what's left at the end of the month. Copy your budget, change those two, and compare before you sign anything.
- Long-press your plan and duplicate it. Your real budget stays as it is.
- In the copy, enter the new salary and the new canton.
- Switch between the two plans. The tax estimate and what's left each month update on their own.
A look inside
Take a look inside
Tips from the developers
A few tips from us.
Nothing life-changing — just the small things that make the app nicer once you know they're there.
Give your plans an emoji
Vacation ✈️, New Car 🚗, House 🏠. Pop an emoji into the plan name and picking the right one becomes a half-second job.
Long-press a plan
That's where duplicate hides. Copy a plan, change one number, and see what happens — your real budget stays untouched.
Tap the donut
On the Expenses screen, tap any slice or category row to open it up. Fair warning: this is how you find the subscription you forgot about.
Flip Monthly to Yearly
One tap on the dashboard turns every number into its yearly twin. CHF 27.92 a month for the Serafe is quietly CHF 335 a year.
Go collect an achievement
Settings → Achievements keeps your savings milestones. No streaks to lose and no guilt trips — just a small trophy when you hit one.
Choose a colour theme
Open Settings → Appearance and pick the colour theme you prefer.
Lock it
Settings → App Lock. A 4-digit PIN — or your fingerprint or face, if the phone has one — and whoever borrows your phone sees the lock, not your budget.
Add the 13th salary
Bonus, 13th salary, a side job: the + on the dashboard has an Extra income entry. One-off or every month, and the taxable ones flow straight into the tax estimate.
Privacy
Your financial data stays on your phone.
- Your budget data stays on your device unless you export or restore a backup.
- No account is needed to use the app.
- Optional usage statistics run only with your consent; Google Play handles optional Supporter purchases and restore checks. No ads.
- Exported backups can be saved or shared wherever you choose.
A private way to manage your budget.
FAQ
Questions, answered.
We're Nada and Andrei, a family team in Lucerne. We built our apps for our own household.
Availability
On Android. Help us bring SwissBudget+ to iPhone.
SwissBudget+ is available now on Google Play. An iPhone version arrives once 1,000 people tell us they want it — so if you're on iPhone, add your name and help unlock it.
Get it on Google Play