# BetterBudgets: Budget Planner — Debt payoff plans. No bank. > Future-based budgeting app for personalized debt payoff plans and financial projection. (iPhone/iPad app by Tinstac LLC.) - Source: https://appshunter.io/ios/app/betterbudgets-budget-planner/id6504831143 (this page in markdown: same URL + `.md`) - Developer: [Tinstac LLC](https://appshunter.io/developer/1717669821) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 5 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 72 MB - Languages: American English - Released: 2024-10-10 - Data updated: 2026-10-09 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/betterbudgets-budget-planner/id6504831143/reviews.md ## What is BetterBudgets? Budget for Tomorrow, Today. BetterBudgets is a personal finance app built around one idea: your budget should work toward your future, not just track your past. Most budgeting apps connect to your bank and show you what you've already spent. BetterBudgets is different. You enter your income, bills, and debts, and our algorithm builds up to 5 personalized budget plans, projecting your financial future up to 10 years out, in under 10 seconds. No bank account access. No syncing. No privacy risks. HOW IT WORKS Our hand-built algorithm uses your real numbers to generate multiple payoff scenarios side by side. See exactly how much sooner you could be debt-free if you redirect just a little more each month. Pick the plan that fits your life and follow it paycheck by paycheck. This is Future-Based Budgeting: a method designed to help you stop reacting to your finances and start planning toward a goal. WHAT YOU GET • Up to 5 personalized budget plans, generated in seconds • Paycheck-by-paycheck breakdowns: tick off bills as they land • Coming Up: the next bills across the checks ahead, so nothing lands by surprise • Debt payoff timelines up to 10 years out • An Analyze dashboard: income, expenses, net worth and savings over time • Every financial calculator you need: early mortgage, auto loan, student loan, debt payoff, consolidation, 401K, emergency fund, and more • Canvas: freehand your financial ideas, with a calculator built in • A Budget Archive that keeps every plan you've ever built • A Library of guides, articles, and video series KNOW BEFORE YOU COMMIT Thinking about a big purchase? Add it to your budget and see exactly what it does to your plan before you sign anything. YOUR DATA STAYS YOURS BetterBudgets never asks for your bank login, SSN, or credit card. We collect only what you enter manually. Your financial data is not sold, shared, or used for advertising. FREE TO START Download free and build your first budget today. The Free plan includes the Budget Builder, paycheck-by-paycheck tracking, core dashboard tiles and charts, every calculator, and the Library. Upgrade to Thrive for every plan the Builder generates, the reasoning behind your recommended plan, the full Analyze dashboard, editing amounts as you go, your whole Archive with restore, and Canvas. BetterBudgets. Built for where you want to go. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://www.betterbudgets.io/privacy-policy ## Key features - Personalized debt payoff plans - Future financial projection - Paycheck-by-paycheck breakdowns - Debt payoff timelines - Financial calculators - Budget archive - Community tips and guides ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Thrive Monthly | $9.99 | per month | | Thrive Annual | $99.99 | per year | ## Is BetterBudgets safe? Not enough ratings yet to assess BetterBudgets. ## Is BetterBudgets legit? BetterBudgets: Budget Planner appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for BetterBudgets is 78 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/betterbudgets-budget-planner/id6504831143/reviews.md ### 5/5 — Great App *2024-10-11* Other apps make you input all your information from your bank/cards. I like BB because it lets you plan from a macro perspective and makes you feel like you have a strong plan. Great work. ## Frequently asked questions about BetterBudgets ### What is BetterBudgets? BetterBudgets is a personal finance app focused on future-based budgeting. It helps users create personalized debt payoff plans and project their financial future up to 10 years out, without requiring bank account access. ### How does BetterBudgets generate payoff plans? BetterBudgets uses a hand-built algorithm that takes your entered income, bills, and debts to generate up to 5 personalized debt payoff scenarios. These plans are designed to show you how quickly you could become debt-free by adjusting your monthly contributions. ### Does BetterBudgets connect to my bank account? No, BetterBudgets does not connect to your bank account. It operates on a manual entry system, meaning you input your financial information directly, ensuring no privacy risks associated with bank syncing. ### What are the subscription options for BetterBudgets? BetterBudgets offers a free version to start. For full access to all plans, calculators, and premium features, users can upgrade to 'Thrive'. Subscription plans include 'Premium+ Monthly' at $8.99 and 'Premium+ Yearly' at $89.99. ### What types of financial calculators are included? BetterBudgets includes 10 financial calculators covering various needs such as mortgage, auto loan, debt consolidation, retirement, and student loan calculations, among others. ### How often is BetterBudgets updated? The latest version of BetterBudgets is 3.0.0, last updated on May 25, 2026. This indicates a commitment to regular updates and improvements for the app. ### What is the age rating for BetterBudgets? BetterBudgets has an age rating of 4+, making it suitable for a wide range of users. This rating suggests it contains no mature content and is appropriate for younger audiences as well. ### Is BetterBudgets available on Android? Based on the provided data, BetterBudgets is supported on iPhone, iPad, and iPod. Information regarding Android availability is not specified in this data. ## Version history (last 5 releases) ### 4.0.0 — 2026-09-23 BetterBudgets 4.0 — the biggest update since launch. BUDGET BUILDER, REBUILT Income, housing, expenses and debts on one flowing page, with your running net at the top so you see what every change does as you type. RESULTS Up to five plans side by side, each with the date you're debt-free, plus a recommendation and notes on how your budget was built. HOME • Track: the paycheck in front of you, with bills to tick off as they land • Coming Up: the next bills and debt payments across the checks ahead • Analyze: a new dashboard with income, expenses, net worth and savings over time • Edit a bill or paycheck amount as you go, and add an expense to a running budget CANVAS Freehand planning with pages, a built-in calculator, and sharing. ARCHIVE Every budget you've built, searchable. Open any plan variant and restore it to Home. CALCULATORS Redesigned and grouped by what they're for, with a new Currency Converter. LIBRARY Guides, articles and video series, and it remembers where you left off. Free on both plans. ALSO • New onboarding • Notifications rebuilt • New app icon • Performance work and fixes throughout ### 3.0.0 — 2026-05-25 This is our biggest update yet. Canvas Draw, annotate, and plan directly on your budget. Each paycheck now has its own canvas with multi-page support, a built-in calculator, and your bills displayed at a glance. Thrive members can share or export to PDF. Archive Search, sort, and pin your saved budgets. Faster loading with real-time sync and paginated results. Analytics Seven new charts to track your financial progress: Net Worth Tracker, Cash Flow, Savings Rate, Spending Category Trends, Your Financial Pie, Income vs Spending, and Spending Change. More Budget Plans Qualifying users now receive up to 5 personalized debt payoff scenarios at once. Bug fixes and performance improvements. ### 2.0.1 — 2025-02-10 Bug fixes. ### 2.0.0 — 2025-02-05 Version 2.0 is PACKED with new features! First and foremost, the BudgetBuilder and BetterBudgets algorithm has been REDESIGNED to handle atypical, one-time expenses, start and end dates, and different frequencies for your expenses. Additionally, you can now name and add a description for your budget for easier handling later. A newer, more intelligent algorithm means an all-new and improved results page! When BetterBudgets generates your plans, we've added schedules for each plan, more data, and even notes for the various things BetterBudgets is doing for you in the background! The Home page will look the same but with some additional features. BetterBudgets can now hide and unhide expenses on your checks with no value. This will increase your tracking efficiency by allowing you to update your spending amounts if you need to, without worrying about all the associated information and due dates. Also, new to 2.0 is adding new expenses to your paychecks! Have a car repair show up that you weren't ready for? Add it to your budget without problems, and BetterBudgets will handle the math for you! On top of that, BetterBudgets has added a swipe-right feature to display all the crucial information associated with the selected bill. The Dashboard received a facelift with all new Breakdown sections! We now include deeper insights for each individual spending category AND bill to complement the existing overview data. Remember that name and description from the BudgetBuilder? Our improved Archiving has been redesigned to give you more data to help you make better budgeting decisions. ### 1.1 — 2024-12-05 Bugs and fixes for various calculators and general features. ## Apps similar to BetterBudgets | App | Rating | Price | Category | | --- | --- | --- | --- | | [Benson AI: Stock Trading](https://appshunter.io/ios/app/benson-ai-stock-trading/id6470971278) | 4.8 (1,471) | Free | Finance | | [Dollarwise: Budget & Tracking](https://appshunter.io/ios/app/dollarwise-budget-and-tracking/id6739215932) | 3.8 (3,940) | Free | Finance | | [Hammer Elite](https://appshunter.io/ios/app/hammer-elite/id6763444186) | 3.4 (45) | Free | Finance | | [Debt Payoff Planner & Tracker](https://appshunter.io/ios/app/debt-payoff-planner-and-tracker/id1009323715) | 4.7 (7,385) | Free | Finance | | [Origin: AI Budget and Track](https://appshunter.io/ios/app/origin-ai-budget-and-track/id1637693312) | 4.6 (3,972) | Free | Finance | | [Ditch: Pay Off Debt Faster](https://appshunter.io/ios/app/ditch-pay-off-debt-faster/id6466198208) | 4.8 (3,915) | Free | Finance | ## More apps by Tinstac LLC - [BetterBudgets V1](https://appshunter.io/ios/app/betterbudgets-v1/id6472735325) All apps by Tinstac LLC: https://appshunter.io/developer/1717669821 --- *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 2026-10-09.*