# Cheddar: Track & Budget Money — Budgeting & Money Saver > AI-powered personal finance tracker and budget manager with net worth visualization. (iPhone/iPad app by 13374271 CANADA INC.) - Source: https://appshunter.io/ios/app/cheddar-track-and-budget-money/id1640394609 (this page in markdown: same URL + `.md`) - Developer: [13374271 CANADA INC](https://appshunter.io/developer/1640394767) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 4.93/5 from 15 App Store ratings · 40 written reviews indexed - Age rating: 4+ - Requires: iOS 12.4 · 46 MB - Languages: English - Released: 2023-12-21 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/cheddar-track-and-budget-money/id1640394609/reviews.md ## What is Cheddar? Features:  • Link your investment accounts • Import your data with MX, Plaid • Capture Apple Pay transactions with Siri Shortcuts • Or enter transactions manually • Spouse can login to same account • Responsive customer support • AI categorization • Net worth chart • Budget burndown chart • Cashflow progress bar • Budgeting per category • Set income targets • Track your savings rate • Custom categories • 6 currencies • Split transactions • iOS home screen widgets • Historical import • No ads • Track offline cash • Support Canadian developers Say cheese! You’ve got plenty to smile about with Cheddar. Your New Favourite Budget App Organize your transactions accurately into categories with the help of AI so you can finally stop wondering where your money went. See your net cash up front and monitor your cash position with a beautiful net worth chart. Gain insights into your monthly cashflow trends to stay within your budgeting goals. Categorizing Transactions with AI Cheddar’s AI will automatically recommend categories for your transactions, but won’t sort them until you confirm the category with a tap. If the guess is wrong, you can easily correct it – and Cheddar will learn to make the right recommendation the next time! Budget Burndown Chart Learn to pace your expense spending with Cheddar’s precise, real-time budgeting burndown chart. Set your expense limits and monitor your spending trajectory down to the penny. Adjust your spending habits with real-time information to stay within your budget limits and make budget informed choices. Bottom Line Budgeting Budgets rarely fit into an itemized spreadsheet, so while Cheddar will categorize your transactions, our core budgeting goal is to help you stay within your total monthly budget. Plotted on a simple budget burndown chart, you can follow your overall money spending and overall income per month to help stay on track and under budget. Net Cash Chart When you open Cheddar, your net cash position is front and center. Updated in real-time, you can observe your net money fluctuations as they happen or observe net cash trends over time. Have assets outside of Cheddar’s tracking? Simply adjust as needed using the cash account in settings. Cashflow Insights Monitor your cash flow over time and get notified about new trends in your income, expenses, and net savings. Understand where your money goes each month. Budgeting has never been simpler. Privacy, Security, and Supported Banks Protecting your financial data is Cheddar’s top priority. That’s why we use Plaid, the industry leader in financial technology, to connect your financial information safely, easily, and reliably to Cheddar. Tens of millions of people in North America and Europe have successfully connected their financial institutions to apps they love using Plaid. Over 7,000 companies trust Plaid to help you safely connect your financial accounts to their apps and services. Cheddar, in agreement with Plaid, pledges to never share your data without your permission, nor sell or rent your financial information to other companies. 

Set your mind at cheese with Cheddar! Start your free trial today by downloading the app and start budgeting. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://app.getterms.io/view/JMDph/privacy/en-us Terms of Service: https://app.getterms.io/view/JMDph/tos/en-us ## Key features - AI transaction categorization - Link investment and bank accounts - Budget burndown chart - Net worth and cashflow tracking - Set income targets - Customizable categories - Multi-currency support ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Cheddar Subscription | $59.90 | per year | | Cheddar Pro Manual | $29.90 | per year | | Cheddar Pro Manual | $4.99 | per month | | Cheddar Pro | $12.99 | per month | ## Recent user reviews (10 of 40) All indexed reviews: https://appshunter.io/ios/app/cheddar-track-and-budget-money/id1640394609/reviews.md ### 3/5 — Security *2025-05-31, version 5.1.1* How can I trust the security of this app, as in how can I trust this app doesn’t record my login information ### 5/5 — Super cool! *2025-05-27, version 5.1.1* The UI is super nice the intergration are cool, this app has a lot of potential! ### 1/5 — Not Canadian like the developer claims in Reddit ads, broken, and useless *2025-05-22, version 5.0.0* update: I am, in fact selecting td Canada trust. The process errors out after asking for my two factor code. Also, no response from the developer re: sending all of our banking data to the US. I stand by my review as written. This app is neither functional nor effectively Canadian. advertises it’s by Canadians for Canadians, but plad can’t connect to TD, the largest bank in the country. Mx closes the window as soon as you open passwords, so if you have a secure password you can’t memorize, forget it. Before advertising on Reddit that this is a Canadian app maybe get it working with Canadian banks. Blaming a third party, as the developer does in responses to other reviews, is a poor excuse. Oh and that third party? Guess what! It’s an American company that stores all your data in the US. Canadian banks offer apis. Until the developer uses them directly, claiming this app is in any way Canadian is just maple washing. ### 1/5 — Forces you to connect to your bank to have accounts *2025-05-16, version 4.2.3* This app is quite simple, to a fault. It allows you to manually add transactions, but you can’t add your accounts unless you connect to them through Plaid or MX. I don’t want to do that. I want to create my accounts and manually enter all the transactions for all the accounts. ### 5/5 — Well done *2025-05-12, version 4.2.2* I've been using the Cheddar Budget app for a few months now, and it's quickly become one of my go-to tools for managing my finances. The interface is clean and intuitive, making it easy to track expenses, set budget goals, and see where my money is going. I especially appreciate the real-time syncing across devices and the ability to categorize transactions in a way that actually reflects my spending habits ### 1/5 — Transactions regularly stop updating *2025-02-18, version 4.0.5* Connected to my Wealthsimple cash account and I’ve already had it up and stop tracking transactions twice. A lot of hassle to disconnect, reconnect, and then sort out all of my transactions over and over. ### 5/5 — Best expense tracker *2025-02-17, version 4.0.5* I have tried 5 popular apps (unethical to name them here) including Cheddar. The only one that doesn’t desync from my accounts is this. Well maybe 1 account every few days, but other apps I’ve tried (the most popular ones) all have much more frequent connectivity issues. The UI isn’t as fancy or insightful as some of the competition, but the dev makes a lot of updates. The auto-categorization is solid, could be better but it’s comparable to other popular apps so it’s acceptable. I’ve never been one for supporting bad products, no matter the reason, but this one is actually a really solid competitor among the most popular budgeting apps. More improvements to the UI are needed and would make this app more delightful, but it’s already the best I’ve seen. ### 5/5 — Helpful support *2025-02-15, version 4.0.5* The developer was very helpful over email and solved my issue! Good budgeting/financial planning app. ### 5/5 — Solid App *2025-02-14, version 4.0.5* I do enjoy using this app. I believe they are still working out the kinks, but it is totally useable and useful. Tech-support has been excellent and actually made changes to the app quickly and efficiently to solve my problems. I am happy to continue to use the app while they figure everything out. ### 5/5 — Solid App *2025-01-24* I do enjoy using this app. I believe they are still working out the kinks, but it is totally useable and useful. Tech-support has been excellent and actually made changes to the app quickly and efficiently to solve my problems. I am happy to continue to use the app while they figure everything out. ## Frequently asked questions about Cheddar ### What does Cheddar do? Cheddar is a personal finance app designed to help you track your spending and manage your budget. It uses AI to categorize transactions, provides visualizations of your net worth and cash flow, and allows you to set financial goals like income targets and savings rates. ### How does the AI categorization work? The app's AI automatically recommends categories for your transactions. You confirm the suggested category with a tap, and the AI learns from your corrections to improve future recommendations. This helps you accurately organize your spending without manual effort. ### Is Cheddar free to use? The app is free to download and use, with in-app purchases available. This model allows users to access core budgeting and tracking features without an upfront cost, with optional enhancements or premium features available for purchase. ### What financial accounts can I link to Cheddar? You can link your investment accounts and bank accounts using services like MX and Plaid. The app also supports capturing Apple Pay transactions via Siri Shortcuts and allows manual entry for cash transactions. It supports 6 different currencies. ### How does Cheddar help with budgeting? Cheddar focuses on bottom-line budgeting, helping you stay within your total monthly budget. It features a budget burndown chart that shows your spending trajectory in real-time, allowing you to monitor your progress against expense limits and make informed spending choices. ## Version history (last 5 releases) ### 5.1.2 — 2025-06-11 - Improved design for bottom navigation bar - Preferences in settings to toggle haptics - UI improvements - Bug fixes and stability improvements ### 5.1.1 — 2025-05-24 This update has small improvements and bug fixes. If you have any questions please reach out to hello@cheddarcash.com! ### 5.1.0 — 2025-05-23 This update has small improvements and bug fixes. If you have any questions please reach out to hello@cheddarcash.com! ### 5.0.0 — 2025-05-21 New and improved Manual Mode! Big updates to the manual input experience to make it as smooth and easy to use as possible. If you need any support we're happy to help at hello@cheddarcash.com. ### 4.2.3 — 2025-05-14 Bug fixes and small improvements ## Apps similar to Cheddar | App | Rating | Price | Category | | --- | --- | --- | --- | | [Spending Tracker - Budget App](https://appshunter.io/ios/app/spending-tracker-budget-app/id1525179720) | 4.6 (667) | Free | Finance | | [Buddy: Money & Budget Planner](https://appshunter.io/ios/app/buddy-money-and-budget-planner/id936422955) | 4.6 (589) | Free | Finance | | [Monarch: Budget & Track Money](https://appshunter.io/ios/app/monarch-budget-and-track-money/id1459319842) | 4.9 (94,402) | Free | Finance | | [Wallet - Daily Budget & Profit](https://appshunter.io/ios/app/wallet-daily-budget-and-profit/id1032467659) | 4.6 (5,823) | Free | Finance | | [Money Manager Expense & Budget](https://appshunter.io/ios/app/money-manager-expense-and-budget/id560481810) | 4.8 (31,472) | Free | Finance | | [PocketGuard – Budgeting App](https://appshunter.io/ios/app/pocketguard-budgeting-app/id949414211) | 4.6 (7,629) | 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 2026-06-10.*