# Banktivity: Budget & Finances — Money Management & Budgeting

> Comprehensive personal finance management and budgeting tool for macOS and iOS. (iPhone/iPad app by IGG Software, Inc.)

- Source: https://appshunter.io/ios/app/banktivity-budget-and-finances/id1480779512 (this page in markdown: same URL + `.md`)
- Developer: [IGG Software, Inc](https://appshunter.io/developer/295624505)
- Category: Finance, Lifestyle
- Price: Free with in-app purchases
- Rating: 3.60/5 from 134 App Store ratings · 421 written reviews indexed
- Age rating: 9+
- Requires: iOS 15.6 · 62 MB
- Languages: American English
- Released: 2020-10-26
- Data updated: 2026-09-03
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/banktivity-budget-and-finances/id1480779512/reviews.md

## What is Banktivity?

Get there faster with Banktivity

Take your budgeting and money-management skills to the next level – fast – with Banktivity’s powerful suite of macOS/iOS tools, insights and strategies.

BANKTIVITY: A PROVEN APPROACH TO BETTER MONEY MANAGEMENT

For more than 20 years, tens of thousands of focused, disciplined and ambitious people like you have relied on Banktivity to help them achieve all their financial goals. And quite often, faster than they ever imagined.

No matter where you are on your financial journey, Banktivity provides the Clarity, Confidence, Control and Certainty you need to make the very most of your money. Safely. Securely. And Privately. 


A PLACE FOR EVERYTHING

One of the greatest advantages of Banktivity is bringing all your financial accounts into one place. Our Direct Access service connects to more than 14,000 banks worldwide, automatically delivering your latest transaction to all your macOS/iOS devices.  And our set-up assistant imports all your old data and downloads current transactions from your bank account online.


THE BIG PICTURE FOR GREATER CONTROL

Your financial picture couldn’t be clearer with all of your accounts – checking, savings, credit cards, real estate, mortgages and brokerage – securely connected to Banktivity. You’ll easily track, categorize, tag, reconcile and manage every transaction (including online bill pay). Do it all yourself or let Banktivity’s transaction templates do it for you.

And with Banktivity’s “Update Everything” button, you can easily update all your accounts all at once. Sync devices, download Direct Access data, security prices, even currency exchange rates.


BUDGETING YOU CAN LIVE (AND SAVE) WITH

The best budget is based on reality. And the reality is there are things we have to pay for and things we want to buy. Banktivity’s Envelope Budgeting is built around this belief and lets you assign money to different categories. Recurring bills, day-to-day living expenses and those things we’d like to do or have. And any money not spent in one category carries over into your savings.

Banktivity automatically budgets scheduled transactions – bills and paychecks – categorized to your Envelope Budget. And you’ll always know well how you’re tracking with Banktivity’s visually-driven Budget vs. Actual reports.


INVESTMENT MANAGEMENT MADE EASY 

Banktivity’s intuitive investment features helps you better manage stocks, bonds, mutual funds, IRAs, 401(k)s, CDs and other assets. You can track buys, sells, splits, dividends, options and more. And Banktivity calculates IRR, ROI, and gains and losses. You can even choose which lots you sold from.

Built-in report templates (Income & Expense, Net Worth, Payee Summary and more) dynamically analyze your finances. You can assign tax codes to generate Tax reports or export to TurboTax. Or view holdings in the Portfolio of Investment Summary reports – presented in comprehensive graphics that let you drill down for details, export or print.


ON THE GO, IN THE KNOW

No matter where you are, you can enter transactions with Banktivity for iPhone. And you can sync accounts, budgets and investments to all your macOS/iOS devices. Should you need help or have questions, we provide unlimited email support, U.S.-based Live Chat (Mon-Fri, 9AM- 4PM EST) for quick solutions. Plus, there’s easily-accessed Help Files, Support Articles, and video tutorials.


A CHOICE OF 3 SUBSCRIPTIONS TO MEET YOUR NEEDS

From budgeting and goal-setting basics to handling the complexities of managing multiple assets, international stocks and currencies, you’ll find a plan that meets your exact needs. 
And when you consider, Banktivity subscribers save on average an extra $500 every year, every Banktivity subscription pays for itself many times over!

No matter what financial goals, if you want to get there faster, you need to get Banktivity.

## Key features

- Consolidate all financial accounts
- Automatic transaction import
- Envelope budgeting system
- Investment tracking and analysis
- Customizable reports
- Online bill pay

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Gold | $99.99 | per year |
| Silver (month) | $8.99 | per month |
| Gold (month) | $10.99 | per month |
| Bronze (month) | $6.99 | per month |
| Bronze | $59.99 | per year |
| Silver | $79.99 | per year |


## Chart rankings

- #192 in Top Grossing · Finance (US App Store)

## What do users think of Banktivity?

Overall sentiment: neutral

**Pros**

- 🚀 Great app for managing finances
- 👍 Easy to use and intuitive
- 💡 Excellent budgeting and envelope features
- 🚀 Seamless sync between devices
- 👍 Reliable and consistent performance
- 💡 Powerful reporting and analytics
- 👍 Helpful customer support

**Cons**

- 💰 Expensive subscription model
- 🐛 Connectivity issues with some banks
- 🐛 Unreliable stock price updates
- 🐛 Sync problems between devices
- 🐛 Buggy after recent updates
- 💰 Lack of free version options

**Commonly reported bugs**

- Duplicate transactions being downloaded
- Incorrect investment account balances
- Scheduled transactions not working as expected
- Sync issues causing data discrepancies
- Crashes and freezes after recent updates

**Most requested features**

- Improved UK bank and investment support
- More customizable reporting and charting
- Ability to attach receipts to transactions
- Better integration with Apple Watch
- Enhanced forecasting and cash flow tools

## Recent user reviews (10 of 421)

All indexed reviews: https://appshunter.io/ios/app/banktivity-budget-and-finances/id1480779512/reviews.md

### 3/5 — Works Well When It Works

*2026-08-28, version 10.0.6*

Ongoing issues with connectivity to banks continue to frustrate.  The app itself is very good and does what it should but the recurring issues with (Canadian) financial institutions seem to take a long time to fix.

### 1/5 — Doesn’t work

*2026-08-22, version 10.0.6*

I purchased a subscription and Banktivity is still telling me that I need to purchase another one or create a new ID. I tried logging into the ID that I had the last time I used Banktivity and even after resetting the password I can’t get into the app. Support is lacking and that’s being kind. I don’t remember why I stopped using it before, but I know why I want a refund and won’t be using it now. Don’t waste your time or your money on this garbage!

### 5/5 — Really easy to use,

*2026-08-21, version 10.0.6*

If you want to use Banktivity fully get the Mac software as well, Been using this software for 15 years and I could not live without it, gives you a total clear picture of your net worth. Makes you feel in control. Connects to Barclays UK and downloads all your transactions including date, amount, and where you spent the money all I have to do is check the category for each transaction, a small thing to do. Then set up a report to see totals of each category, between any dates you choose. Once you get the hang of Banktivity you won’t use any other software for Finance. The iPhone and iPad software, compliments the fully functional Mac software. Get it and give it time when learning how to use it.

### 5/5 — Great

*2026-08-17, version 10.0.6*

I love this software, you can see at a glance your accounts totalled from all the different banks, also great for totalling up for tax at the end of the year.

### 1/5 — Keeps entering bogus transactions

*2026-08-17, version 10.0.6*

I keep finding bogus transactions against my Apple Card every time I manage to get it to update. I keep deleting them and they keep coming back. $0 iTunes Store transactions, duplicates of other cleared transactions. I can’t merge the duplicates and the ones I delete just keep coming back. Transactions all the way back to 2019!

Almost seems silly in light of that complaint that my other complaint is that I want one thing from the iPhone client—Apple Card transactions and it tries to do everything else first. I need a button to update this one account that updates the one account! Really regretting not using one of the other apps that can download Apple Card transactions at this point. This one just sucks.

### 5/5 — Fantastic Software

*2026-08-12, version 10.0.6*

It syncs seamlessly with iPhone and iPad

### 1/5 — Keeps entering bogus transactions

*2026-08-10, version 10.0.6*

I keep finding bogus transactions against my Apple Card every time I update. I keep deleting them and they keep coming back. $0 iTunes Store transactions, duplicates of other cleared transactions. I can’t merge the duplicates and the ones I delete just keep coming back. Transactions all the way back to 2019!

### 5/5 — Best APP on MAC

*2026-08-09, version 10.0.6*

For many years, I've been using this app for envelope budgeting, and on Mac is just the best. Great support, great quality. I never was let down in the last eight years that I've been a customer. Great support, great app, reliable.

### 1/5 — Was great until Version 10 - Heads Should Roll over this one!

*2026-08-06, version 10.0.6*

I have been a user since the iBank days but the only reason I’m still a user at this point is because I haven’t yet found a readily suitable replacement. This confounded “Organizer” and “Ledgers” nonsense has mucked up what used to be a reliable and stable software. When I try to quit the application, it’s 50/50 whether it will actually quit, or whether I’m going to have to Force Quit; and when I start it up, it’s 50/50 whether I’m going to just get into my file or have to look at an “organizer” list and wonder whether my most recent version is still a good one (so far, admittedly, it always has been). Previous releases had a nice, easily found and determined .bank file; the new structure is just deliberately scattered helter-skelter Lord only knows where in the bowels of the Mac library. This is outrageous and whoever had the nerve to take such a nice simple workable software like release 9 and inflict this Release 10 abomination on IGG’s subscribers has no business working in software development.

### 5/5 — A solid, reliable partner in my business and in my home finances

*2026-08-04, version 10.0.6*

I have been using Banktivity for over a decade and I am so grateful that it has been such a reliable tool. It really is something that I count on, and I love the iPhone/iPad versions that meet me wherever I find myself ready to get some work done.

## Frequently asked questions about Banktivity

### What does Banktivity do?

Banktivity is a personal finance management application that helps users track, categorize, and manage all their financial accounts in one place. It offers tools for budgeting, investment tracking, and reporting to provide clarity and control over one's finances.

### What are the key features of Banktivity?

Key features include consolidating over 14,000 bank accounts via Direct Access, automatic transaction importing, an envelope budgeting system, investment management for various assets, online bill pay, and customizable financial reports. It also offers an 'Update Everything' button for syncing all accounts simultaneously.

### How much does Banktivity cost?

The application is available for free with in-app purchases. Specific features or advanced functionalities may require additional purchases within the app.

### What devices is Banktivity compatible with?

Banktivity is available for macOS and iOS devices. It allows for syncing data across all your connected macOS and iOS devices, ensuring your financial information is accessible wherever you are.

### How can Banktivity help me with my finances?

Banktivity provides a clear overview of your financial situation by bringing all accounts together. Its budgeting tools help you allocate funds effectively, while investment features allow for detailed tracking and analysis. The reporting capabilities offer insights to help you make informed financial decisions and achieve your goals faster.

## Version history (last 5 releases)

### 10.0.6 — 2026-07-07

Thanks for using Banktivity, here is what is new in this version:
- Improved widget/handoff support [macOS][iOS]
- Ledgers will no longer be left stranded when a scene is closed [iOS]
- The available account classes should now be correctly shown during account setup [iOS]
- Fixed issue where you couldn’t restore a deleted ledger on Monterey [macOS]
- Fixed issue where scroll position could get lost when minimizing a window [macOS]
- Fixed issue where editing a transaction in a real estate account could make the bar chart disappear [macOS]
- Fixed issue where you couldn’t remove the last name of a Banktivity User Account [macOS][iOS]
- Fixed a crash that usually occurred when closing a ledger [macOS]
- Fixed issue where transfer accounts wouldn’t appear in budget assistant [iOS]
- Fixed fairly benign core graphics drawing error [iOS]
- Made authentication more efficient under the hood [macOS][iOS]
- Fixed a silly typo for cloud sync [iOS]

### 10.0.5 — 2026-06-19

Thanks for using Banktivity, we got a nice update for you today. Here is what is new:
- You can now move envelope cash around in the past [iOS][macOS] 
- We will no longer try to reopen ledgers that didn't close cleanly [macOS]
- Fixed issue where name could show 'null' on profile screen [iOS]
- Onboarding assistant isn't closed with errant taps on iPad [iOS]
- Blue/purple colors no longer show up in budget bars [macOS][iOS]
- Fixed issue where some assistants could end up going down unexpected paths [macOS][iOS]
- Group New and Uncleared status is now persisted [iOS]
- Fixed glow color in Organizer in light mode [macOS][iOS]
- Long press to reveal/redact net worth summary [iOS]
- Fixed sync crasher [macOS][iOS]
- Fixed issue where scheduled transactions that use inactive categories would show up uncategorized [macOS]
- Fixed issue with inactive categories now appearing/behaving right for budget assistant [macOS]
- Sign In button on macOS Tahoe now appears in green [macOS]
- Fixed issue where drilling into budget category would ignore fiscal start date [macOS]
- When you finish importing from 3rd party software it now asks if you want to set up cloud sync [macOS][iOS]
- Removed old "learn more" button in bill pay assistant [macOS]
- Fixed issue where hiding or minimizing window could lose scroll position [macOS]
- Fixed issue where "temp" subscription id could appear [macOS]
- Fixed voucher import from Files app [iOS]

### 10.0.4 — 2026-06-05

Thanks for using Banktivity. Here's what's new in this version:
* Fixed where a budget would sometimes not load [macOS][iOS]
* It is easier to migrate documents from really old versions [iOS]
* When you double-click an older document, the Organizer warns you might be creating a duplicate [macOS]
* Improved error display for error code 1017 [macOS][iOS]
* When importing an older document we ask if you want to lock it [macOS][iOS]
* Minor wording tweaks [macOS]

### 10.0.3 — 2026-05-30

Thanks for choosing Banktivity! We have a nice update for you today. Here is what is new:
- Fixed issue where the Organizer reappeared too aggressively [macOS]
- Fixed some crashes around amount fields [iOS]
- Find results surface transactions in inactive accounts [macOS][iOS]
- Fixed an issue where cloud sync passwords weren't always being pulled from the keychain [macOS][iOS]
- Fixed a crash that could occur when clicking certain accounts [macOS]

### 10.0.2 — 2026-05-28

Thanks for using Banktivity! A few good fixes in this one!
- Fixed an issue where tapping on a ledger wouldn't migrate it [iOS]
- Improved some dialogs to make them more clear [iOS]
- Fixed an issue where files would fail to import into the Organizer if they contained / in the filename [macOS][iOS]
- Fixed a crasher when entering tags with an external keyboard [iOS]

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*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 2026-09-03.*