AI on the device
The language model (Gemma) runs right on the phone. Chat, expenses and categories never leave the device - it works on a plane too. Cloud is an option, not a requirement.
Budget assistant · 100% on your phone by default
Say what you spent. The rest stays with you.
Baluna is a personal budget assistant you talk to like a person. The language model runs on your device - no account, no sending your expenses to anyone. Prefer the cloud? Plug in your own OpenAI or Ollama Cloud key - on your terms.
First 3 months free, then $0.99 a month. No sign-up - you pay with your App Store or Google Play account.
Coffee and a roll at the bakery, 18.50
I'll add 18.50 PLN to Food with today's date. Correct?
add_expense−18.50 PLN
Food26/08/2026
ApproveReject
How much did I spend on food this week?
This week: 142.30 PLN across 6 expenses. Most on Thursday - 61.00 PLN.
Type an expense…
A budget app that does not know your budget
Most finance apps send your expenses to a server. Baluna has no server to send them to - by default everything happens on the phone.
An expense in one sentence
"Fuel 240, yesterday" is enough. Baluna picks up the amount, category and date, and reads a receipt photo without retyping.
Nothing is saved without you
Every write to your budget waits for your "Approve". The assistant proposes - the decision and the data stay yours.
Cloud? Only if you turn it on
Not every phone can run a local model - and sometimes you just want faster, smarter answers. Then you connect your own account with an AI provider.
Your key, your provider
You paste your own API key for OpenAI or Ollama Cloud. The key stays on the phone and you pay the provider directly - Baluna is not in the middle, has no server in between and never sees your chats.
You know exactly what goes out
Before the first chat reaches the cloud, the app shows what the provider will get: the conversation, the expenses you ask about and receipts if you attach them. You pick the mode per chat - local and cloud chats can live side by side.
Three steps to tidy expenses
No spreadsheets, no bank import, no account.
- 1
Install and pick a model
A one-time download of the AI model to your phone - from then on everything runs locally. Or your own OpenAI or Ollama Cloud key if you prefer the cloud.
- 2
Type or photograph an expense
In plain language. You create categories as you chat.
- 3
Approve and ask
You confirm each entry with one tap. Then you ask: "how much went on food this month?".
Start a budget nobody but you will ever see
First 3 months free, then $0.99 a month. Cancel any time in your store settings.