# BudgetBaby: Safe to Spend — Zero-Based Money & Bills App > Zero-based budgeting app with daily 'Safe to Spend' number. (iPhone/iPad app by Intriguing Insight.) - Source: https://appshunter.io/ios/app/budgetbaby-safe-to-spend/id6764697339 (this page in markdown: same URL + `.md`) - Developer: [Intriguing Insight](https://appshunter.io/developer/1894562908) - Category: Lifestyle, Health & Fitness - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 17.0 · 38 MB - Languages: American English - Released: 2026-05-26 - Data updated: 2026-06-25 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/budgetbaby-safe-to-spend/id6764697339/reviews.md ## What is BudgetBaby? Know exactly what you can spend today. BudgetBaby uses zero-based budgeting and a daily Safe to Spend number, no pies, no spreadsheets, no guessing. Most budget apps tell you what you spent last month. BudgetBaby tells you what's safe to spend right now. THE SAFE TO SPEND METHOD Every dollar gets a job. Bills, subscriptions, savings, and pool allocations are subtracted up front. What's left is your real spending money, divided by days remaining in the period to give you a single number you can trust. WHAT YOU GET (FREE) - Daily Safe to Spend with day-of math - Unlimited transactions and unlimited custom categories (up to 5 saved) - 3 savings goals, 3 recurring bills, 3 active subscriptions - Cash + Debit + Savings pool tracking - Monthly archive and 1 CSV export per month - Local backups encrypted with AES-256-GCM PREMIUM ($7.99/MO OR $69.99/YR: SAVE 27%) - Unlimited savings goals, bills, subscriptions, custom categories - Advanced insights: spend trends, category breakdowns, projection charts Calendar sync: bills and subscriptions appear in your iOS calendar - Unlimited CSV + PDF exports - 5 encrypted cloud backup slots with restore-anywhere - Custom reminder schedules + quiet hours - Activity log + biometric-protected data wipe - Migration files: move your data between devices in one .bbbackup file WHO IT'S FOR - People who tried envelope budgeting on paper and want it digital - Couples and roommates splitting shared expenses - Anyone tired of looking at last month's damage and wanting forward control - Folks who paycheck-to-paycheck budget and need to know "can I order takeout tonight?" WHY IT'S DIFFERENT Most apps categorize what you already spent. BudgetBaby plans the period before it starts and gives you a single, honest number every day. Hard-block guardrails prevent over-allocations before they break your budget. Auto-correction recovers gracefully if anything ever goes negative. PRIVACY + SECURITY Your data lives on your device by default. Cloud backup is opt-in, encrypted client-side, and stored under your Firebase user ID with strict access rules. We don't sell data, ever. Analytics opt-out is one toggle. 7-DAY FREE TRIAL on the annual plan. Cancel anytime in iOS Settings. Free to download. iOS 17+. Subscriptions auto-renew unless cancelled at least 24 hours before the period ends. Privacy Policy: https://babyblocks.io/budgetbaby/privacy Terms of Service: https://babyblocks.io/budgetbaby/terms Support: support@intriguemmc.com - SUBSCRIPTION TERMS Premium Monthly: $7.99/month auto-renewing Premium Annual: $69.99/year auto-renewing (7-day free trial on first purchase) - Payment will be charged to your Apple ID account at the confirmation of purchase - Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period - Your account will be charged for renewal within 24 hours prior to the end of the current period at the price of the selected plan - You can manage your subscription and turn off auto-renewal in your Apple ID account settings after purchase - Any unused portion of a free trial period will be forfeited when you purchase a subscription Privacy Policy: https://babyblocks.io/budgetbaby/privacy Terms of Use (EULA): https://babyblocks.io/budgetbaby/terms ## Key features - Daily Safe to Spend number - Zero-based budgeting - Unlimited custom categories (Premium) - Savings goals and recurring bills tracking - Encrypted local backups - Cloud backup options (Premium) - Calendar sync for bills (Premium) ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Premium Monthly | $7.99 | per month | | Premium Annual | $69.99 | per year | ## Frequently asked questions about BudgetBaby ### 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. ## Version history (last 1 release) ### 1.0.0 — 2026-05-26 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 2026-06-25.*