Pa-BudgetA budget that starts on payday
Each month begins on your payday, copied from your template of needs, wants and savings. Unspent money can carry over to next month.
Household budgeting · Zambia
Your household budget, in kwacha and dollars.
Pa-Budget is a free app that helps couples and families plan every month from payday, track spending across ZMW and USD accounts, and grow savings, goals and investments together.
- Free
- ZMW + USD
- Built for two
- No bank logins
- Works offline
- Light and dark
What it does
Everything a household budget needs. Nothing it doesn't.
Pa-Budget is built around how money actually moves in a Zambian home: a monthly salary, two currencies, mobile money, and two people sharing one plan.
Kwacha and dollars together
Keep ZMW and USD accounts side by side. Set each month's exchange rate and see one combined total, while every transaction keeps its own rate.
Built for two
Invite your partner with a link. You both see the same budget in real time, and Insights shows who spent what.
Goals you can see growing
Save for school fees, a car or an emergency fund. Pa-Budget shows how much to put aside each month to get there on time.
Investments and net worth
Track holdings on the Lusaka Securities Exchange, US markets or funds. Update values monthly and watch your net worth over time.
Recurring items and reminders
Salary, rent, DStv or a monthly savings transfer: add them once and confirm with a tap. Get a reminder on payday and when bills are due.
Insights that are honest
Week, month and year views: income, spending, savings rate and spending pace, with every figure explained and nothing hidden.
Your data, exportable
Download transactions as a spreadsheet-ready CSV, or a full backup of your household as JSON, whenever you like.
Phone, tablet or computer
Use it on your phone, or open it in a browser on your laptop for a full desktop layout with keyboard shortcuts. It keeps working when the signal drops.
How it works
Set it up once. Live by it every month.
Make your template
List what your household spends on: rent, groceries, transport, school fees, savings. Mark each as a need, a want or savings.
Start the month on payday
Set your expected income and this month's dollar rate. Pa-Budget copies your template in, so you can see what's left to allocate.
Record as you go
Add spending in seconds, from any account, cash or mobile money. Your partner's entries appear on your phone straight away.
Privacy
Your money is your business.
Pa-Budget never asks for your bank or mobile money login. You enter what you spend, and only the people in your household can see it.
- No bank or mobile money passwords, ever
- No ads and no advertising or analytics trackers
- Only verified members of your household can read your data
- Export a full copy of your data at any time
- Delete your account and data yourself, from Settings
Questions
Frequently asked questions
What is Pa-Budget?
Pa-Budget is a household budgeting app for couples and families. You plan each month from payday using needs, wants and savings, record spending as it happens, and track goals, investments and net worth. It was built in Zambia for households that earn and spend in both kwacha and US dollars.
Is there a budgeting app made for Zambia?
Yes. Pa-Budget is designed for Zambian households: amounts are in kwacha (K) and US dollars ($), each month starts on your payday, mobile money and cash are ordinary accounts, and investments can be tracked on the Lusaka Securities Exchange (LuSE) as well as US markets.
How much does Pa-Budget cost?
Nothing. Pa-Budget is free to use, with no ads and no in-app purchases.
Can I budget in both kwacha (ZMW) and US dollars (USD)?
Yes. Each account has its own currency. You set the exchange rate for each budget month, and Pa-Budget combines everything into one total in your main currency. Each transaction keeps the rate it was recorded with, so past figures don't change when the rate does.
Can my partner and I share one budget?
Yes. Create your household, then send your partner an invite link from Settings. They sign up, verify their email and join automatically. You both see and edit the same budget in real time, and Insights can show each person's spending.
Does Pa-Budget connect to my bank or mobile money?
No. Pa-Budget never asks for bank or mobile money logins. You record transactions yourself (it takes a few seconds), and recurring items like salary or rent can be added automatically or confirmed with one tap.
Does it work without internet?
Yes, for everyday use. Transactions you add offline are saved on your device and sync when you're back online. A few actions, such as starting a new month or exporting, need a connection.
Is there an Android app?
Pa-Budget works today in any modern browser on your phone or computer, and you can add it to your home screen. An Android app is on its way to Google Play.
How do I delete my account?
Open Settings and choose Delete account. If you're the only member, your household and all its data are deleted. If your partner is still in the household, you leave it and the shared data stays with them. Read the full details.
Start this month on the right foot.
It's free. Set up your household in a few minutes, then invite your partner.
Start your budget
Coming soon to Google Play