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Needs Some Improvements
First, no rollover from the previous month. I just found out today. I can't adjust the time to match my time zone. This is a problem on both the watch and iPhone.
Second, if you force close the app on Apple Watch, it resets to zero. In order to get it sync back up you have to do a dummy income and delete it after it shows up again. If you it as an expense it shows up wrong. Expense total is incorrect.
Third, you can hide and move categories on the iPhone app, but not the watch up. This means you have to scroll down categories you don't need to deal with.
This is the only app that could do close to what I wanted it to do.
Phone-Watch Balanced Combination
In iPhone, it aids your financial planning based on goal in a very pleasing way. And it presents your whole transaction in a nice and self-descriptive graphics.
In Apple Watch, it gives you a just-nice overview of your transaction at a glance. But more importantly, it allows transaction input in just 5 taps (your whole taps for keying in the money spent I refer here as 'one tap').
Overall, very very nice. Hope it helps.