# ATLAS CFO — Know what is safe to spend > Know what is safe to spend (iPhone/iPad app by Starlight AI.) - Source: https://appshunter.io/ios/app/atlas-cfo/id6805262195 (this page in markdown: same URL + `.md`) - Developer: [Starlight AI](https://appshunter.io/developer/6805262197) - Category: Finance - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 16.0 · 41 MB - Languages: American English - Released: 2026-09-17 - Data updated: 2026-11-10 ## What is ATLAS CFO? Payday feels fine. Two weeks later you are checking your balance before you buy lunch, and you could not say where it all went. ATLAS is a budget with a CFO inside. Start free, with no bank and no card: keep your budget by hand, or bring in your bank statements and ATLAS builds it for you and tells you, in plain words, where your money goes and how much is safe to spend today. START YOUR BUDGET FREE, NO BANK NEEDED Tap Start my budget. Set your income for the month, pick your categories, and log what you spend. ATLAS keeps the math: what is left in each category, what is left overall, and whether you are on pace. Free, with no trial and no card. YOUR STATEMENTS, READ FOR YOU: FREE Import a CSV, a PDF statement or screenshots from your bank's app, from any bank anywhere. ATLAS reads the transactions, does not keep the file, and shows amounts in your own currency. HOW MUCH CAN I SPEND TODAY? Your balance counts money that is already spoken for: rent, a card payment, the subscription that renews on Thursday. ATLAS takes out what is due before your next payday and shows you what is left. WHAT IS COMING UP? The bills and card payments due in the next two weeks, on a calendar, and whether your account covers them. WHERE DID IT ALL GO? Every transaction in one list. Re-file one and ATLAS can remember it for that merchant. Your spending is grouped the way you would group it yourself, with the habits hiding inside it: it might notice, for example, that nearly all the eating out happens Thursday to Sunday. WHAT AM I STILL PAYING FOR? ATLAS finds the recurring charges you forgot about and shows what each one costs you a year, not a month. AM I USING THE RIGHT CARD? Linked or added by hand, see which of your cards earns the most where you shop, how close each one is to its limit, and what the interest is quietly costing you. ASK ATLAS Type a question or hold the mic and say it. "Can I afford this in March?" "What changed last month?" You get an answer from your own numbers, with the figures it came from. Your first three questions are free; asking without a limit is the CFO plan. LINK YOUR BANK, US AND CANADA On the CFO plan, sign in to your bank right inside ATLAS, through Plaid, and your transactions arrive on their own. ATLAS never sees your bank password. IT CANNOT MOVE YOUR MONEY The connection to your accounts is read-only. There is no transfer or payment feature at all. ATLAS does not sell your data, and it does not recommend investments or tell you what to buy or sell. It shows you what is true about your own money and leaves the decisions to you. HOW YOUR MONEY STAYS PRIVATE Bank access tokens are sealed with hardware-backed keys and every connection is encrypted. Getting in takes a password and a PIN, plus a passkey on your device if you add one. You can delete your account, and everything in it, from inside the app. SUBSCRIPTION Your budget, your statements and three questions to Ask ATLAS are free, forever, with no subscription and no trial. Asking ATLAS without a limit, and linking a bank directly, require a subscription: ATLAS Monthly at $9.99 USD per month or ATLAS Annual at $49.99 USD per year, each auto-renewing. The price in your currency is shown before you confirm. Payment is charged to your Apple Account when you confirm the purchase. The subscription renews automatically at the end of each period unless auto-renew is turned off at least 24 hours before the end of the current period, and renewal is charged within the 24 hours before the period ends. You can manage or cancel it in your Apple Account settings at any time; your access continues to the end of the period you have paid for. Restore purchases is on the subscription screen in the app. Linking a bank inside the app is available in the United States and Canada. Everywhere else, ATLAS works from your statements. Privacy Policy: https://atlas.starlightaiinc.com/privacy Terms of Service: https://atlas.starlightaiinc.com/terms ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | ATLAS | $9.99 | per month | | ATLAS Annual | $49.99 | per year | ## Is ATLAS CFO safe? Not enough ratings yet to assess ATLAS CFO. ## Is ATLAS CFO legit? ATLAS CFO has limited verification signals. The AppsHunter Legitimacy Score for ATLAS CFO is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Version history (last 5 releases) ### 1.5.1 — 2026-11-09 Sign in with Google, or with Apple, instead of a password. The PIN still follows, so your money stays behind two factors. Also new: a CFO meeting, monthly or weekly, where you pick one change and ATLAS reports back on whether it worked; a weekly reminder when your imported statements stop; and ATLAS may ask you for a rating, once, at a good moment. Say no and it will not ask again. ### 1.5.0 — 2026-10-28 ATLAS now works wherever you bank. Outside the US and Canada, bring in statements, PDFs or screenshots from your bank's app and ATLAS builds your budget for you, in your own currency. Also new: a guided first setup, your cards added by hand with their rewards looked up for you, a yearly plan beside the monthly one (each with a free week), and a tidier Settings with your country and currency. ### 1.4.1 — 2026-10-28 Start a budget free, with no bank: tap Start my budget, set your income and categories, and log what you spend. When you want ATLAS to do it for you, Connect my bank starts a free week on a monthly or a yearly plan. Also new: a simpler app in five tabs (Home, Spending, Ask ATLAS, Budget, Accounts), every transaction in one list with re-filing that remembers your choice, and the bill calendar on Home. ### 1.4.0 — 2026-10-27 New in 1.4.0 • Talk to ATLAS. Hold the coin and ask out loud, or turn on "Hey ATLAS" while the app is open. • Connect your bank without leaving the app. • No bank connection? Add your transactions from screenshots or a PDF statement from your bank's app. • Budget: set a monthly budget in one tap, built from what you normally spend. • Subscribe right in the app with your Apple ID. • Now in Canada as well as the US. ### 1.3.0 — 2026-10-15 New in 1.3.0 • What's due is now a calendar. Every bill sits on the day it lands, and you can tap one to move its day or take it off the list. • A clearer start. Connect your bank, or try ATLAS with sample data first. No account needed to look around. • Ask ATLAS answers are easier to read. • Fixes and polish throughout. ## Related topics [budget atlas](https://appshunter.io/ios/topics/budget-atlas) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-11-10.*