# BooCoo - Money Trends & Vibes — Spending Tracker. No Budgets. > Financial vitals tracker with AI insights, no budgeting required. (iPhone/iPad app by Make Greater LLC.) - Source: https://appshunter.io/ios/app/boocoo-money-trends-and-vibes/id6760793171 (this page in markdown: same URL + `.md`) - Developer: [Make Greater LLC](https://appshunter.io/developer/1139999265) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 18.0 · 29 MB - Languages: American English - Released: 2026-03-25 - Data updated: 2026-09-13 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/boocoo-money-trends-and-vibes/id6760793171/reviews.md ## What is BooCoo? Open the app. Check your Financial Vitals score. See if you're climbing, holding steady, or slipping. No budgets to build. No categories to maintain. No homework. FINANCIAL VITALS One score (0–100) that answers "am I okay?" It synthesizes your runway, spending trend, and consistency. Automatically, every session. The color tells you where you stand. The score tells you by how much. Compares you to your own history. Not to a budget. Not to an external benchmark. You can't fail your own history. You can only see which direction you're moving. WHAT MONEY IS FOR Money goes to two places. It becomes wealth, the arc BooCoo tracks. Or it becomes your life, value received, right now. The budgeting industry counts the second one as a loss. BooCoo does not. Money that piles up and is never spent has no effect on any life. That is what went wrong, not the spending. Every dollar that became your life: BooCoo tracks that too. RUNWAY & CASH FLOW How long would your assets last if income stopped? BooCoo calculates your financial runway from your actual numbers using thousands of randomized scenarios against your real data. Watch your monthly cash flow trend over time. See it getting better or worse, not just where it stands today. SPENDING TRENDS Automatic transaction categorization with rolling-window trends: 3-month rhythm vs 12-month baseline, never month-vs-month. See which categories are climbing and which ones barely moved. No verdict. Just direction. NET WORTH Assets, debts, and net worth in one place, with daily history charts so you can see the actual direction, not just today's number. Investment accounts, credit cards, mortgages, student loans, and manual entries all contribute to the same unified picture. CONNECT EVERYTHING 12,000+ banks and financial institutions via Plaid. Your first bank connection is free. Apple Card, Apple Cash, and Apple Savings connect for free through Apple FinanceKit. Manual accounts and CSV or OFX imports are always free, no bank connection required, no subscription needed to start. AI INSIGHTS (POWERED BY CLAUDE) Ask BooCoo about your spending, or let the app surface patterns automatically. Only aggregated summaries are shared with Anthropic's Claude: category totals, balances by account type, net worth, income and expense totals, your Vitals scores, cash flow trends, and runway. Never individual transactions, merchant names, account numbers, or institution names. Anthropic does not train on your data and deletes API inputs within 30 days. TRANSACTIONS Every transaction, automatically imported and categorized. Edit, recategorize, or hide what doesn't fit. Set rules to handle recurring transactions automatically. Flag recurring subscriptions and bill payments so they're easy to find. PRIVACY Your financial data lives on your device and in your personal iCloud, not our servers. No ads. No product recommendations. No affiliate deals. We make money from subscriptions, not from analyzing your spending and pitching you financial products. The subscription unlocks additional bank connections via Plaid. All analytics (Financial Vitals scoring, spending trends, net worth tracking, cash flow analysis) are available at every tier, including free. BUILT ON APPLE SwiftUI, SwiftData, CloudKit, FinanceKit. Your data syncs across iPhone, iPad, and Mac through your personal iCloud account. No third-party account, no extra login. PRICING The app is free. Your first bank connection is free too. Manual entry, CSV and OFX import, and Apple FinanceKit connections are always free. Additional bank connections start at $4.99/month or $39.99/year. The Standard plan includes a 14-day free trial. Terms of Use: https://boocoo.app/terms Privacy Policy: https://boocoo.app/privacy BooCoo takes your financial health seriously so you don't have to. ## Key features - Financial Vitals score - Automatic transaction categorization - Runway and cash flow tracking - Net worth overview - AI-powered spending insights - Connect 12,000+ financial institutions - Manual import options ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Standard Monthly | $7.99 | per month | | Premium Monthly | $12.99 | per month | | Starter Yearly | $39.99 | per year | | Starter Monthly | $4.99 | per month | | Premium Yearly | $99.99 | per year | | Standard Yearly | $59.99 | per year | ## Frequently asked questions about BooCoo ### What is the Financial Vitals score in BooCoo? The Financial Vitals score is a unique metric from 0-100 that synthesizes your financial runway, spending trend, and consistency. It automatically updates each session, with color indicators and the score itself showing your financial standing and direction. ### How does BooCoo handle my financial data security? Your financial data resides on your device and in your personal iCloud, not on BooCoo's servers. The app uses Plaid for connecting to over 12,000 institutions and ensures privacy with AI insights, sharing only aggregated summaries and never individual transactions. ### Can I use BooCoo without connecting a bank account? Yes, BooCoo supports manual account entries and CSV or OFX imports, which are always free. You do not need to connect a bank account or subscribe to start using these features. ### What are the subscription plans for BooCoo? BooCoo offers several subscription tiers including Starter, Standard, and Premium, available on a monthly or yearly basis. The Standard plan includes a 14-day free trial. ### How does BooCoo categorize transactions? BooCoo automatically imports and categorizes every transaction. You can edit, recategorize, or hide transactions that don't fit, and set rules for recurring transactions and bills. ### Does BooCoo have ads? No, BooCoo is ad-free. The app states it makes money from subscriptions, not from analyzing user spending or pitching products. ### What devices does BooCoo support? BooCoo is available on Mac, iPhone, and iPad, making it accessible across Apple's ecosystem. ### How often is BooCoo updated? BooCoo was last updated on September 2, 2026, with version 1.2.16. This indicates a relatively frequent update cycle for the application. ## Version history (last 5 releases) ### 1.2.16 — 2026-09-02 Moving money into savings or investments is not spending, and your runway now reflects that. Taxable investments count toward runway automatically. Retirement accounts stay out unless you opt in, and when you do, BooCoo counts them net of the penalty and tax that early access actually costs. Transfers between your own accounts no longer read as spending in Cash Flow. When a transfer cannot be classified yet, the Runway row shows both readings rather than picking one for you. Fixed: a crash when scrubbing the Overview charts, the chat button covering the walkthrough, and a Vitals score that could open on a stale number. ### 1.2.15 — 2026-08-21 • Moving to a new iPhone or reinstalling? BooCoo now shows your data returning: progress, your banks, and what to expect. No more empty screen. • The sync banner stays visible until your full history is back, so you always know where catch-up stands. • The Vitals score now explains itself: what builds it, what can hold it down, and which side is carrying it right now. • Your Runway setting now stays in sync across iPhone, iPad, and Mac. Same data, same Vitals score, every device. • Large imports no longer freeze the app. • Fixed: duplicate "My Finances" documents after a restore, and Runway settings occasionally popping back a screen. BooCoo takes your financial health seriously so you don't have to. ### 1.2.14 — 2026-08-06 Privacy Mode. Show your screen without showing your money. Amounts go fictional or hidden, merchant names change, and AI chat pauses while it's on. Re-roll the fake numbers any time. Find any transaction. Filter by amount, merchant, category, or pattern. See what's in and out for whatever you're looking at, analyze it as a trend, save filters you use often, or export to CSV. Also fixed: false sync warnings right after connecting a bank, a rare silent failure when linking peer-to-peer wallets, and slow data on a first connection. ### 1.2.12 — 2026-07-20 • Ask BooCoo: tap the sparkle button to ask about any screen, your Vitals score, or what a number means. Answers come from your own data. Insight, not advice. • Your accounts now refresh themselves when you open the app. No more tapping sync. • The "hasn't synced recently" notice only appears when BooCoo tried to sync and couldn't. • Connecting a bank now shows exactly what BooCoo can see, and picks up where you left off if you step away. • Debt Health now explains what it's waiting for when data is incomplete. • No budgets. No envelopes. No homework. ### 1.2.11 — 2026-07-14 • The Cash Flow page now shows Cash In and Cash Out, says which months each number covers, and charts every month at its true size. • Category amounts now read as your typical month, so the number and the trend label beside it agree. • Credit card payments are no longer described as new debt in the net flow summary. • New users now see how to connect a bank on the Categories tab instead of an empty chart. • BooCoo now tells you when iCloud storage is full so you know your data is not backing up. • Many small fixes to tap targets, chart labels, and copy. BooCoo takes your financial health seriously so you don't have to. ## Apps similar to BooCoo | App | Rating | Price | Category | | --- | --- | --- | --- | | [Neon Wallet Mobile](https://appshunter.io/ios/app/neon-wallet-mobile/id1530111452) | 3.4 (14) | Free | Finance | | [Markets App: Stocks & Crypto](https://appshunter.io/ios/app/markets-app-stocks-and-crypto/id6756673679) | 4.8 (34) | Free | Finance | | [Artha - Manage your finances](https://appshunter.io/ios/app/artha-manage-your-finances/id6749267758) | — | Free | Finance | | [Actual Budget Spendıng Tracker](https://appshunter.io/ios/app/actual-budget-spendng-tracker/id6747974396) | 4.5 (84) | Free | Finance | | [BankSocial](https://appshunter.io/ios/app/banksocial/id1586052784) | 4.7 (143) | Free | Finance | | [Rise - Aptos Wallet](https://appshunter.io/ios/app/rise-aptos-wallet/id6444621713) | 4.1 (8) | Free | Finance | --- *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 2026-09-13.*