Cheddar: Track & Budget Money

Cheddar: Track & Budget Money

Budgeting & Money Saver

15 ratings
40 reviews

Archived App (Last seen on 20 May 2026)

This is an archived listing of the app previously available on the App Store.

Although the app is no longer distributed by Apple, you can still view its description, screenshots, version history, ratings, and metadata for reference.

Details

  • Released
  • Updated
  • December 21, 2023
  • June 11, 2025

Features

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About

This app helps you track your spending and manage your budget with AI-powered categorization. Visualize your net worth, monitor cash flow, and set income targets to stay on track with your financial goals. Supports multiple currencies and offers responsive customer support.

AI transaction categorization
Link investment and bank accounts
Budget burndown chart
Net worth and cashflow tracking
Set income targets
Customizable categories
Multi-currency support
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What's New in Cheddar

5.1.2

June 11, 2025

- Improved design for bottom navigation bar - Preferences in settings to toggle haptics - UI improvements - Bug fixes and stability improvements

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Subscription plans

Cheddar Subscription

All Access

$59.901 Year
7 Days trial
Price Updates
May 17, 2026$59.90
May 1, 2025$69.99
October 1, 2024$59.90
September 25, 2024$69.99
How to cancel Cheddar subscription ⁉️

User reviews

Security

How can I trust the security of this app, as in how can I trust this app doesn’t record my login information

Super cool!

The UI is super nice the intergration are cool, this app has a lot of potential!

Not Canadian like the developer claims in Reddit ads, broken, and useless

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.
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Forces you to connect to your bank to have accounts

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.

Well done

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
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FAQ

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.