# Pa-Budget

> Pa-Budget is a free household budgeting app for couples and families in Zambia. It plans each month from payday using needs, wants and savings, tracks spending across Zambian kwacha (ZMW) and US dollar (USD) accounts, and lets two people share one budget. It runs in any modern web browser at https://pa-budget.web.app, and an Android app is coming to Google Play.

## Who it's for

- Households in Zambia that earn and spend in kwacha, and often also hold US dollars.
- Couples who want one shared budget, with each person's spending visible.
- People who want a simple monthly plan rather than automatic bank syncing.

## What it does

- Monthly budgets that start on the household's payday (any day from the 1st to the 28th), copied from a template of needs, wants and savings. Unspent or overspent amounts can carry over to the next month.
- Accounts in ZMW or USD, including bank accounts, cash and mobile money. Each budget month has its own exchange rate, and every transaction keeps the rate it was recorded with.
- A shared household: invite a partner with a link; both see and edit the same budget in real time.
- Savings goals, with the amount needed each month to reach the target date.
- Investment holdings on the Lusaka Securities Exchange (LuSE), US markets and funds, valued by hand, with monthly net worth snapshots.
- Recurring transactions (salary, rent, subscriptions, savings transfers), created automatically or confirmed with one tap, plus payday and bill reminders.
- Insights by week, month and year: income, spending by needs and wants, savings rate, spending pace and spending by person.
- Export of transactions as CSV and a full JSON backup.
- Works offline for everyday entry; light and dark themes; a phone layout and a desktop layout with keyboard shortcuts.

## Price and privacy

- Free to use, with no ads and no in-app purchases.
- Never asks for bank or mobile money logins; transactions are entered by hand.
- No advertising or analytics trackers. Data is stored in Google Firebase and readable only by verified members of the household.
- Users can export their data and delete their account from Settings.

## Common questions

- Is there a budgeting app made for Zambia? Yes: Pa-Budget is built for Zambian households, with kwacha and dollar accounts, payday-based months and LuSE investments.
- Can I budget in both ZMW and USD? Yes, each account has its own currency and totals combine at the month's exchange rate.
- Can a couple share one budget? Yes, through an invite link.
- Does it connect to banks or mobile money? No, by design.
- How much does it cost? Nothing; it's free.

## Links

- [Home page](https://pa-budget.web.app/): features, how it works and FAQ
- [Create an account](https://pa-budget.web.app/sign-in?mode=register)
- [Privacy Policy](https://pa-budget.web.app/privacy)
- [Terms and Conditions](https://pa-budget.web.app/terms)
- [Delete your account](https://pa-budget.web.app/delete-account)
- Contact: paulouskunda@gmail.com