Black & White Budget

Black & White Budget — opinionated, monochrome, beautifully simple personal budgeting. Built around one idea: see exactly what's coming in, what's going out, and what's left to spend. No rainbow charts. No category overload. No subscription. THE DESIGN • Strict monochrome — no green, no red, no opinion-by-colour. Hierarchy comes from typography and weight, the way good print does. • Every interaction respects the same 4pt grid. SF Rounded everywhere. • Private by design — no login, no account, no telemetry. Your data lives on your device, or in your private iCloud with optional sync (Pro). THE BASICS • Add income and expense in seconds. • Create categories and sub-categories with built-in icons. • Set a monthly spending limit on any category. When you cross it, the app offers a "split" — push the overage into another category, cascading until everything fits, or choose to go over. RECURRING • Rent, salary, subscriptions — set them once, let them fire on their schedule. • Upcoming view shows the next 30 days of expected income and expense, with a "balance after" line so you know what's actually free to spend. INSIGHTS • Monochrome donut breaking down spend by category for the focused period. • Trend chart of income vs expense over days, weeks, months, or years. • Plain-English deltas: "$120 less spent than last month." NOTIFICATIONS • Reminders when recurring transactions fire. • "Due tomorrow" reminders before they fire. • Low-balance alert when your total drops below your threshold. SHARING & EXPORT • Export everything to CSV or JSON via the native share sheet. • Home-screen widget shows Capital + this-month flow at a glance. • Long-press the app icon for "Add income" / "Add expense" quick actions. OTHER • Multiple budgets — Personal, Work, Family — switch with one tap. • Two app icon variants — default and inverted. • Replay the walkthrough any time from Settings. Free. No ads. No subscription. A single one-time purchase unlocks Pro — iCloud sync across iPhone, iPad, and Mac.