# Budget. > Budget. (iPhone/iPad app by Kian Schuele.) - Source: https://appshunter.io/ios/app/budget/id6777996097 (this page in markdown: same URL + `.md`) - Developer: [Kian Schuele](https://appshunter.io/developer/6777996099) - Category: Finance - Price: Free - Age rating: 4+ - Requires: iOS 15.1 · 28 MB - Languages: English - Released: 2026-06-19 - Data updated: 2026-08-04 - User reviews in markdown: https://appshunter.io/ios/app/budget/id6777996097/reviews.md ## What is Budget.? Budget. is a no-nonsense personal finance app that puts you in control of your money — without subscriptions, without cloud accounts, and without sending your data anywhere. Your money stays on your phone. Always. Everything is stored locally on your device. No account required. No server. No tracking. Just you and your finances. TRACK EVERY FRANC Add income and expenses in seconds. Your balance updates instantly. See exactly what came in, what went out, and what's left — all in one place. KNOW WHAT'S SAFE TO SPEND Budget. calculates your safe-to-spend amount by factoring in upcoming recurring bills, savings goals, scheduled debt payments, and provisions. No more guessing. RECURRING TRANSACTIONS Set up monthly or weekly schedules for rent, salary, subscriptions, and more. Budget. tracks which ones are paid, which are pending, and which are coming up — right on the dashboard. SAVINGS GOALS Create goals for anything — a holiday, a new car, an emergency fund. Contribute each month and watch your progress build. PROVISIONS Set aside money each month for quarterly or annual bills like insurance or taxes. When the bill arrives, the money is already waiting. DEBTS & LOANS Track what you owe and what you're owed. Set repayment schedules, record payments, and see the remaining balance at a glance. NET WORTH Add your assets and liabilities for a full picture of your financial health. Savings goals and debts are included automatically. BUDGET LIMITS Set monthly spending caps per category and get visual warnings when you're approaching or over the limit. ENCRYPTED BACKUP Export an AES-256 encrypted backup of all your data to Files, iCloud Drive, or anywhere you choose. Restore it anytime with your PIN. Your data never touches a server. BEAUTIFUL THEMES 8 carefully designed colour themes including Midnight, Dawn, Arctic, and more. Budget. is built for people who want a clear, honest view of their finances — without the complexity of spreadsheets or the privacy concerns of cloud-based apps. No subscription. No account. No nonsense. ## Version history (last 3 releases) ### 1.2.4 — 2026-08-04 What's New in Version 1.2 Salary Calculator — Major Update Built for Swiss hourly workers. Enter your base rate, holiday pay %, and deductions to get an accurate net pay preview before you even submit hours. All 30+ Swiss FIBU deductions included with FIBU account numbers. AHV and ALV are locked at their legal rates. Recurring Schedules Mark payments as paid, skip them for a month, or undo a skip — all from the app. Skipped payments are excluded from your Safe to Spend calculation and disappear from the calendar for that month. Dashboard Customization Hide any section you don't use — Safe to Spend, Savings, Provisions, Recurring Schedules and more. Settings → Customization → Dashboard. Apple Shortcuts Add transactions without opening the app. Settings → Help → Apple Shortcuts walks you through a one-time setup that works from your home screen, lock screen, or Action button. Calendar Improvements Weekend payment adjustment — automatically moves bill dates falling on Saturday or Sunday to the Friday before or Monday after. Overdue payments now show "3 days ago" instead of "in -3 days." Bug Fixes & Polish Fixed a UTC timezone bug that caused wrong dates after midnight. Fixed floating point display on logged hours. Empty months are automatically cleaned up. Various Safe to Spend calculation fixes. ### 1.1 — 2026-07-22 Budget. — Version 1.1 What's new since launch New: Wishlist Plan purchases you want to save up for. Add an item with a name, price, target date, and a link to the product page. Budget calculates how much you need to set aside each month to hit your target date. Optionally link it to a savings goal so contributions track automatically. New: Calendar See all your upcoming financial events in one place — recurring bills, scheduled payments, and provision due dates laid out on a monthly calendar. Tap any date to see what's scheduled, or tap an empty date to add a one-time payment. Navigate months to plan ahead. New: Safe to Spend Calculator Budget now shows you a Safe to Spend number — how much you can freely spend without putting any of your financial commitments at risk. It deducts upcoming unpaid bills, savings targets, provision amounts, and debt payments from your current balance. Fully customisable: go to Settings → Safe to Spend to toggle which blocks are included. Tap the number on the dashboard to see a full breakdown of how it was calculated. History improvements Browse any past month directly from the History tab. Tap the arrow next to the month name to open the month picker. Past months show a summary of income, expenses, net balance, savings contributions, and provision put-asides before the transaction list. Edit and delete transactions in past months. Statement import PostFinance PDF import now uses column position to determine income vs expense — no keywords, purely geometric, exact totals. Import a full month statement and review all transactions before accepting. Duplicate detection improved to handle verbose PostFinance descriptions. Provisions Deleting a provision now asks whether to return the pot money to your balance or write it off. Returning to balance handles multi-month contributions correctly — this month's contributions are removed cleanly, and past months' total comes back as income without inflating your income stats. Recurring payments Pay upcoming recurring payments early directly from the dashboard. Tap Pay next to any upcoming item, confirm the amount, and it's logged and marked as paid — even if the amount differs from the scheduled one. ### 1.0 — 2026-06-19 No release notes. --- *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 2026-08-04.*