Bufy

Overview

Bufy is ranked #74 of 181 in personal finance software on Specifiction, made by Bufy (Tallinn, Estonia). It runs on API, Web. There is a free plan. A free trial is offered. Paid plans start at €4.99/mo.

Compared on personal finance software

Free plan

Yesbufy.eu

Budgeting tools

Yesbufy.eu

Bill tracking

Yesbufy.eu

Account sync

manualbufy.eu

Report export

Yesbufy.eu

Facts

Purpose

Bufy is an encrypted personal budgeting app that calculates how much users can spend after bills, savings, and fixed commitments.bufy.eu · 11 Oct 2026

Budget tracking

It recalculates daily, weekly, and monthly budget positions from transactions, carrying overspending forward and rolling underspending into later periods.bufy.eu · 11 Oct 2026

Bills

Users can track upcoming bills, subscriptions, and recurring payments with due dates, amounts, and paid or pending status.bufy.eu · 11 Oct 2026

Investments and credit

The app supports investment tracking with XIRR calculations and credit card usage tracking.bufy.eu · 11 Oct 2026

Budget methods

The user guide describes configuring Bufy for Anti-Budget, 50/30/20, Zero-Based, Envelope, Pay Yourself First, or Kakeibo budgeting.bufy.eu · 11 Oct 2026

Bank connections

Bufy says it works without bank connections and its investment tracker does not fetch live prices, so investment values are updated manually.bufy.eu · 11 Oct 2026

Integrations and API

Bufy publishes an integration reference for building mobile clients, automation, exports, or dashboards using Bufy data.bufy.eu · 11 Oct 2026

Encryption

The maker says financial data is encrypted in the browser before transmission using AES-256-GCM, with a password-derived key and a second server-side encryption layer.bufy.eu · 11 Oct 2026

Recovery limit

Account recovery uses a 24-word code, and the maker says email password reset is impossible by design because it cannot decrypt users’ data.bufy.eu · 11 Oct 2026

Privacy and hosting

Bufy says it does not sell personal data, is GDPR compliant, and hosts its service in the EU; its privacy policy notes that some providers may process limited technical data outside the EU/EEA with safeguards.bufy.eu · 11 Oct 2026

Access and age

The service is currently invite-only, and its terms require users to be at least 16 years old.bufy.eu · 11 Oct 2026

Support

The maker invites users to contact it with questions or for a live walkthrough and says it replies personally.bufy.eu · 11 Oct 2026

Company

Bufy is built in Estonia by OÜ Digitechnology, registered at Seebi tn 1-703, Tallinn, Harjumaa.bufy.eu · 11 Oct 2026

Company

Headquarters

Tallinn, Estoniabufy.eu · 28 Sept 2026

Where it ranks on Specifiction

• Best Personal Finance Software in 2026#74 of 181

Sources

• bufy.eu/en· checked 11 Oct 2026
• bufy.eu/en/tutorial· checked 11 Oct 2026
• bufy.eu/en/api· checked 11 Oct 2026
• bufy.eu/en/privacy· checked 11 Oct 2026
• bufy.eu/en/terms· checked 11 Oct 2026