# EasyPeasy: Budget-Free Tracker — What spending to cut & when

> What spending to cut & when (iPhone/iPad app by EasyPeasy Finance, LLC.)

- Source: https://appshunter.io/ios/app/easypeasy-budget-free-tracker/id6762085559 (this page in markdown: same URL + `.md`)
- Developer: [EasyPeasy Finance, LLC](https://appshunter.io/developer/1892841461)
- Category: Finance, Lifestyle
- Price: Free
- Age rating: 4+
- Requires: iOS 15.1 · 67 MB
- Languages: American English
- Released: 2026-10-10
- Data updated: 2026-10-12

## What is EasyPeasy?

You earn well, but are you okay? EasyPeasy answers "where does my money go?" It shows your fixed expenses (what you can't cut), your daily spending, and how many days your savings would cover, in about a minute a day. No budget to set, no judgment.
YOUR SAFETY NET, IN ONE NUMBER
EasyPeasy calculates your Survival Days: how long your savings would last if your income stopped today, based on what you actually spend on essentials. So you know if your emergency fund is enough.
TWO NUMBERS, ONE MINUTE A DAY
For the last 30 days, updated daily:
- Net income: your income minus your spending
- Net cash flow: money in minus money out, all of it
Together, they tell you what to cut and when: keep going, or hold off on non-essentials this week, before the tax bill, the insurance renewal or an unexpected doctor's visit lands. Spot overspending early, not at month's end.
WHY BUDGET-FREE?
Some spending isn't optional: rent or a mortgage, utilities, a tax bill, a trip to the doctor. Setting a budget takes hours, and it breaks the moment an unexpected must-pay expense hits. When must-pay spending runs high, a budget only tells you you're failing. EasyPeasy skips budget setting. It automatically detects your survival expenses, from fixed bills to must-pay surprises, so you can see what's left to cut.
A MONEY APP THAT DOESN'T JUDGE
EasyPeasy isn't here to shame your spending or hand you generic advice. You see your own numbers, and you decide.
A TRANSFER ISN'T SPENDING
Move money from checking to savings and many apps count it as money spent. EasyPeasy recognizes transfers between your own accounts and contributions to savings and investment accounts, and keeps them out of your spending. A transfer to an account you haven't connected isn't spending or income either, but it still moves cash, so EasyPeasy counts it in your cash flow and lists it under "Other-in" or "Other-out." Numbers you can trust are the whole point.
WHY THE LAST 30 DAYS?
Most budgeting apps reset on the 1st, so you've spent "nothing" on the 3rd and "too much" by the 28th. EasyPeasy always compares a full 30 days of income with a full 30 days of spending, so today's numbers and yesterday's are measured the same way.
THREE PURPOSES, SORTED AUTOMATICALLY
Every expense is sorted into Survival (the essentials you can't skip), Future-Self (spending that grows what you'll earn later, like a course, a credential or a rental property) and Happy (what's just for you). You see fixed vs variable expenses without tagging a thing. Future-Self isn't savings. It's an investment in your earning power.
BUILD YOUR CUSHION
If you want, set limits on up to six kinds of sneaky spending, the small unplanned purchases that quietly eat into your savings. EasyPeasy flags them so your cushion keeps growing.
ASK PEASY
Get plain-language answers to everyday money questions, like how long you could last without pay, using your own numbers. Every answer shows the transactions behind it.
WHO IT'S FOR
People who earn well but aren't sure where it all goes, including the many high earners quietly living paycheck to paycheck. If you've tried spreadsheets, a financial advisor or a budget app and didn't have time to keep it up, EasyPeasy does the sorting for you.
YOUR DATA IS PROTECTED
Your bank connection is read-only through Plaid. EasyPeasy can never send, spend, or transfer money on your behalf. We use two-factor authentication and encrypt your data in transit and at rest. Your financial data is stored separately from your identity, linked only by a random ID. You sign in with Apple, so we don't store your email at all.
Download EasyPeasy free and know your numbers today.

## Is EasyPeasy safe?

Not enough ratings yet to assess EasyPeasy.

## Is EasyPeasy legit?

EasyPeasy: Budget-Free Tracker has limited verification signals. The AppsHunter Legitimacy Score for EasyPeasy is 50 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 1 release)

### 1.0 — 2026-10-10

No release notes.

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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 2026-10-12.*