# Basis Budget: Money Tracker — Spending, Tracking, Net Worth > Privacy-focused budgeting and net worth tracking app with two distinct budgeting modes. (iPhone/iPad app by JK Creative Studios LLC.) - Source: https://appshunter.io/ios/app/basis-budget-money-tracker/id6760737520 (this page in markdown: same URL + `.md`) - Developer: [JK Creative Studios LLC](https://appshunter.io/developer/1823042617) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 6 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 18.0 · 13 MB - Released: 2026-04-24 - Data updated: 2026-09-11 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/basis-budget-money-tracker/id6760737520/reviews.md ## What is Basis Budget? Budget your way. Track your worth. Keep your privacy. Free with optional sync. Most budgeting apps force one approach, and harvest your data while they're at it. Basis Budget gives you two complete budgeting modes in one app, and your financial data is encrypted on your device before it ever touches our servers. We don't run ads or sell your data, and there's no analytics tracking what you do in the app. Switch between budgeting modes anytime without losing a single transaction. TWO WAYS TO BUDGET [+] ZERO-BASED BUDGETING Every dollar of income gets assigned to a category until nothing is left to budget. Carry unused funds forward with rollover or start fresh each month. Set savings goals and sinking funds to plan ahead. Familiar territory if you've budgeted with envelopes before. [+] SPENDING LIMITS Set monthly caps per category and track your spending against them. No envelopes, no assigning. Just set your limits and go. Perfect if you want guardrails without the overhead. FREE TO START Manual budgeting is free. Track your accounts and transactions yourself, use both budgeting modes, see your net worth, split transactions, run reports, and keep every privacy protection, with no subscription. Want it automated? Connect your banks for automatic import via Plaid, plus Apple Wallet integration for Apple Card and Apple Savings, for $4.99/month. Your first month is free, and you can cancel anytime with your data staying accessible. Bank sync via Plaid is currently available in the United States. Manual entry and every other core feature work in every supported country. NET WORTH TRACKING See your full financial picture in one place. Track checking, savings, credit cards, investments, loans, and manually tracked assets like your home or car. Watch your net worth change over time with built-in charts and reports. PRIVACY BY DESIGN Before your financial data ever touches our servers, it's encrypted on your device with a key that's unique to you. Lock the app with Face ID and hide balances with number masking. We don't run ads, sell your data, or track in-app behavior. ALSO INCLUDES Transaction splits across multiple categories 16 default categories with full customization Category groups for Bills, Needs, Wants, and Savings Savings goals and sinking funds Credit card payment tracking Spending reports and category breakdowns Dark mode Made for people who want their budgeting app to stay out of their way. Terms/EULA: https://basisbudget.com/terms and Privacy Policy: https://basisbudget.com/privacy ## Key features - Two budgeting modes: Zero-based and Spending Limits - On-device encryption for enhanced privacy - Net worth tracking across various account types - Manual transaction entry and account tracking - Optional bank syncing via Plaid - Customizable categories and savings goals ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Basis Budget | $4.99 | per month | ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/basis-budget-money-tracker/id6760737520/reviews.md ### 5/5 — Simple. Straightforward. Sensational. *2026-06-07* No clutter to be found here. You’re in, you’re out, everything works. This is the precise budgeting app I’ve been searching for. Don’t sleep on it! ### 5/5 — Easiest Budgeting App *2026-05-03* Best app for simple budgeting, love the clean features and interface. Highly recommend over any other app on the market **Developer response:** So nice to hear! Thank you so much ### 5/5 — Best new budget app out there *2026-05-03* For being in its initial phase, Basis Budget is awesome. It’s not a carbon copy of other apps, but instead forges its own identity in zero based budgeting and more. The developer is active, and kind. I look forward to where he takes BB. **Developer response:** Thank you so much Michael! Really appreciate the feedback. ## Frequently asked questions about Basis Budget ### What are the two budgeting modes in Basis Budget? Basis Budget offers Zero-Based Budgeting, where every dollar is assigned to a category, and Spending Limits, where you set monthly caps per category. You can switch between these modes without losing transaction data. ### How does Basis Budget protect my financial data? Your financial data is encrypted on your device before it reaches servers. The app does not run ads, sell your data, or track in-app behavior, prioritizing privacy by design. ### Is Basis Budget free to use? Manual budgeting features, including tracking accounts, using both budgeting modes, and seeing net worth, are free. An optional subscription is required for automated bank syncing. ### What is the cost of the automated bank syncing feature? Automated bank syncing via Plaid costs $4.99 per month. Your first month is free, and you can cancel anytime, retaining access to your data. ### Does Basis Budget support bank syncing outside the US? Bank syncing via Plaid is currently available only in the United States. However, manual entry and all other core features work in every supported country. ### What devices can I use Basis Budget on? Basis Budget is currently supported on iPhone devices. The app is rated for ages 4 and up. ### How often is Basis Budget updated? The latest version is 1.4.6, and the app was last updated on June 13, 2026. Updates typically include improvements and new features. ### What do users like most about Basis Budget? Users appreciate the app's strong privacy focus, the flexibility of having two budgeting modes, and the ability to track net worth comprehensively. The free tier offers substantial functionality. ## Version history (last 5 releases) ### 1.6.5 — 2026-09-11 Your bank connection sometimes drops a transaction it already sent. That can't take it out of your budget any more. • A dropped transaction stays put, so Left to Assign no longer jumps up and then settles back days later. • Anything already lost that way comes back on its own, category and splits intact. • Categorizing from the review sheet saves right away instead of waiting for a relaunch. • Plus a round of smaller fixes across iOS and web. ### 1.6.4 — 2026-09-06 Behind on categorizing? Your budget stops holding it against you. • Uncategorized spending no longer moves Left to Assign. It waits on the Uncategorized row until you pick a category. • Choosing Uncategorized sticks, instead of getting filled back in the next time the app syncs. • Edits made offline are held and sent when you reconnect, so losing signal mid-edit no longer costs you the change. • A transaction another one of your devices already saved no longer comes back as a second copy. • Plus a round of smaller fixes across iOS and web. ### 1.6.3 — 2026-09-03 Paid off a card and watched your budget shift? It shouldn't have. • A card payment that has left your checking but hasn't reached the card yet no longer counts against your starting balance. • You no longer get signed out, or told your subscription expired, because of a temporary server problem. • Your country and currency stay put instead of resetting when you use both the app and the web. • Plus a round of smaller fixes across iOS and web. ### 1.6.2 — 2026-08-31 Your transactions stay where they should. • Apple Card and Apple Cash transactions no longer go missing during a sync. • A sync that drops halfway no longer loses what it was carrying. Your bank sends it again next time. • Two devices syncing at once no longer create duplicate transactions. • Zero-based budgets: Left to Assign holds steady, and Settings > Drift Diagnostic can re-download recent bank history whenever something looks off. • Plus a round of smaller fixes across iOS and web. ### 1.6.1 — 2026-08-26 Added new reports to keep track of your money better, along with some polish & fixes. • Top Payees, Top Income Sources and Savings Rate are new in Reports. • Split transactions count now. They were missing from Reports entirely, and one tagged to income counted twice. • Payee names read properly. SHELL OIL becomes Shell Oil, CVS stays CVS. • Delete something on one device and it's gone from the rest. • Plus a round of smaller fixes across iOS and web. ## More apps by JK Creative Studios LLC - [Movefully](https://appshunter.io/ios/app/movefully/id6747831763) - [ClearCart: Shop Confidently](https://appshunter.io/ios/app/clearcart-shop-confidently/id6759870037) - [LifeXP: Habit & Life Tracker](https://appshunter.io/ios/app/lifexp-habit-and-life-tracker/id6771204439) All apps by JK Creative Studios LLC: https://appshunter.io/developer/1823042617 --- *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 2026-09-11.*