# BudgetLabs: Zero-Based Budget — AI Budget & Money Planner

> AI-powered personal finance manager with smart import and receipt scanning. (iPhone/iPad app by Hollow Holdings LLC.)

- Source: https://appshunter.io/ios/app/budgetlabs-zero-based-budget/id6758921280 (this page in markdown: same URL + `.md`)
- Developer: [Hollow Holdings LLC](https://appshunter.io/developer/1857322658)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 2 App Store ratings
- Age rating: 4+
- Requires: iOS 16.6 · 40 MB
- Languages: English
- Released: 2026-04-26
- Data updated: 2026-10-17
- Monetization: freemium

## What is BudgetLabs?

Give every dollar a job before you spend it.

BudgetLabs is a zero-based budgeting app for people who want to decide where their money goes, not just watch where it went. Plan the month, assign your income, and see exactly where you stand at any point.

Semi-manual by design. BudgetLabs doesn't quietly sync your bank and leave you to scroll. You stay in the loop, and AI takes the busywork out of it.

AI THAT SAVES YOU TIME
• Hank, your AI assistant, answers questions about your budget and adds transactions in plain English
• Smart Import turns a pasted statement, PDF, or screenshot into clean, categorized transactions for you to review — or paste your bank's CSV directly
• Saved rules categorize imports automatically, and duplicates are caught before they land
• Snap a receipt to capture an expense

PLAN WITH CONFIDENCE
• Zero-based budgeting: every dollar gets a job
• Group categories your way and carry leftovers into next month
• Split a purchase across categories, or spread a yearly charge across the months it covers
• Recurring bill reminders, with overdue bills clearly marked
• Annual events for renewals like registrations, memberships, and annual fees
• Cash Coverage: see your balance on any day and whether your cash covers what's due
• A calendar that forecasts your balance day by day

PAY DOWN DEBT
• Track loans and credit cards in one place
• See your debt-free date and simulate faster payoff
• Split one payment across several loans
• Lend money to someone else on BudgetLabs and track the repayments coming back (Pro)

GROW YOUR NET WORTH
• Savings accounts and goals, with projections
• Investment tracking: see what's inside each account and your mix against a target
• Net worth over time

BUILT FOR REAL LIFE
• Share a budget with your household (Pro invites; members join free)
• Your currency, your categories, your order
• Face ID or Touch ID lock
• Connect Claude or ChatGPT to your budget, read-only
• Encrypted at rest, two-factor sign-in, and a full export of your data
• Works on iPhone, iPad, Mac, and the web

PRICING
Core budgeting is free. BudgetLabs Pro ($1.99/month or $19.99/year) raises your Hank and Smart Import limits and adds household sharing, up to 5 budgets, peer lending, and unlimited investment statement scans. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your App Store account settings.

Privacy Policy: https://www.budgetlabs.io/privacy
Terms of Service: https://www.budgetlabs.io/terms

Built by an independent founder. Questions or ideas? https://www.budgetlabs.io/support

## Key features

- AI-powered budgeting assistant
- Smart transaction import (paste, PDF, email)
- Receipt scanning for expenses
- Amortize annual bills and spread expenses
- Zero-based budgeting with flexible rules
- Financial insights and scenario planning
- Goal tracking with trajectory charts

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| BudgetLabs Pro | $1.99 | per month |
| BudgetLabs Pro | $19.99 | per year |


## Is BudgetLabs safe?

Not enough ratings yet to assess BudgetLabs.

## Is BudgetLabs legit?

BudgetLabs: Zero-Based Budget has limited verification signals. The AppsHunter Legitimacy Score for BudgetLabs is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Frequently asked questions about BudgetLabs

### What is BudgetLabs?

BudgetLabs is an AI-powered budgeting app designed to help users manage their money effectively. It offers features like an AI assistant, smart transaction importing, and receipt scanning to simplify financial tracking and planning.

### What are the pricing options for BudgetLabs?

BudgetLabs offers a free plan with core budgeting features, debt, and asset tracking. A Pro plan is available for $1.99/month or $19.99/year, unlocking higher AI limits and unlimited Smart Import.

### Does BudgetLabs have ads?

No, BudgetLabs is ad-free. The app explicitly states 'No ads. No upsells.' to provide an uninterrupted user experience.

### What devices does BudgetLabs support?

BudgetLabs is available on iPhone, iPad, and the web. Your budget syncs across all your devices, and a single web subscription automatically grants Pro access on iOS.

### How does BudgetLabs handle annual bills?

BudgetLabs allows you to amortize annual bills, spreading their cost across the months they actually affect. This feature is built-in, eliminating the need for workarounds and preventing unexpected financial shortfalls.

### Can I try BudgetLabs Pro before subscribing?

The provided data does not specify a trial period for BudgetLabs Pro. However, a robust free plan is available, offering full budgeting capabilities and tracking features.

### How often is BudgetLabs updated?

BudgetLabs is built with community feedback driving its roadmap, with high-impact requests typically shipping within a week. The app was last updated on 2026-05-11.

### Is BudgetLabs safe for my financial data?

BudgetLabs prioritizes privacy with AES-256 encryption at rest, biometric lock (Face ID/Touch ID), and multi-factor authentication. They state they never sell user data.

## Version history (last 4 releases)

### 1.3 — 2026-10-12

• Faster to open, especially on a slow connection
• Budget rows get a real ⋯ menu: add a transaction, open details, view analytics
• Daily reminders always show the latest wording
• Updated camera, notification, and purchase components
• Bug fixes and polish

Ideas and bug reports go straight to me at budgetlabs.io/support.

### 1.2 — 2026-09-26

A big update. Here's what's new since 1.1:

SMOOTHER ON iPHONE
• Typing no longer shifts the page when the keyboard closes
• A cleaner, more consistent look on every screen, with easier-to-tap buttons
• Swipe between months on your budget
• Edit many transactions at once

BILLS & CASH FLOW
• Recurring bill reminders, with overdue bills clearly marked
• Cash Coverage: see your balance on any day and whether your cash covers what's due
• Pay a card and settle its reminder in one step
• Link any payment to a bill or annual renewal

SMART IMPORT
• Reads your bank's CSV format
• Saved rules categorize transactions as you import
• Checks imports against what you've already recorded, so duplicates stay out
• Pick up an import where you left off

DEBT
• Split one payment across several loans
• See your debt-free date and payoff progress over time
• Pay down a credit card in one step
• Track money you've lent to family and the repayments coming back

INVESTMENTS & NET WORTH
• See what's inside your investment accounts and your mix against a target
• Scan a statement straight into your holdings
• Net worth and debt over any stretch of time

MORE
• Group related categories and put them in your own order
• Choose your currency
• Send a paycheck straight to savings
• Attach receipts to transactions

Thanks for budgeting with BudgetLabs. Ideas and bug reports go straight to me at budgetlabs.io/support.

### 1.1 — 2026-05-11

A few things I shipped this round:

- Goals — a new tab in the Lab for tracking what you're saving for. Live trajectory charts so you can see whether you're on pace.
- Smart Import got significantly more flexible: drop in a PDF bank statement, drag in an email from your bank, and BudgetLabs extracts clean transactions. The source automatically attaches to each transaction as a receipt — useful for audit later.
- Polish on the cashflow strip, login flow, and MFA back-button behavior.

Every change here came from a user asking for it. Keep the requests coming — I read all of them.

— Chris

### 1.0 — 2026-04-27

No release notes.

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## More apps by Hollow Holdings LLC

- [Trail Pro Intel](https://appshunter.io/ios/app/trail-pro-intel/id6755938726)

All apps by Hollow Holdings LLC: https://appshunter.io/developer/1857322658

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*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 2026-10-17.*