BudgetBaby: Safe to Spend
Zero-Based Money & Bills App
About
This app provides a daily "Safe to Spend" number based on zero-based budgeting, helping you know exactly how much money is available for daily expenses after accounting for bills and savings. It offers forward-looking financial control without complex spreadsheets or guesswork.
What's New in BudgetBaby
1.0.0
May 26, 2026
Subscription plans
Premium Monthly
Unlock all premium features, Billed monthly.
FAQ
How does BudgetBaby calculate the 'Safe to Spend' number?
BudgetBaby uses a zero-based budgeting method. It subtracts all your bills, subscriptions, and savings allocations upfront. The remaining amount is divided by the days left in the period to give you a single, trustworthy daily spending number.
What are the limitations of the free version of BudgetBaby?
The free version allows unlimited transactions and custom categories (up to 5 saved), 3 savings goals, 3 recurring bills, and 3 active subscriptions. It also includes cash, debit, and savings pool tracking with monthly archives and one CSV export.
What features are included in BudgetBaby Premium?
Premium unlocks unlimited savings goals, bills, subscriptions, and custom categories. It also provides advanced insights like spend trends and projection charts, calendar sync, unlimited exports, cloud backups, custom reminders, and an activity log.
Does BudgetBaby offer a free trial for its premium features?
Yes, BudgetBaby offers a 7-day free trial on the annual premium plan. You can cancel anytime through your iOS Settings.
How does BudgetBaby handle user privacy and security?
Your data is stored on your device by default. Cloud backups are opt-in, client-side encrypted, and not sold. You can also opt-out of analytics with a single toggle.
What is the subscription cost for BudgetBaby Premium?
BudgetBaby Premium is available for $7.99 per month or $69.99 per year, offering a 27% saving on the annual plan. Subscriptions auto-renew unless canceled at least 24 hours before the period ends.
Is BudgetBaby suitable for couples or roommates?
Yes, BudgetBaby is designed for couples and roommates splitting shared expenses. Its forward-looking control and clear spending numbers can help manage joint finances effectively.
What devices is BudgetBaby compatible with?
BudgetBaby is available for iOS devices running iOS 17 and later. It is currently supported on iPhone.