Kumul: Budget Planner

Kumul is a simple, clean budgeting and savings app that helps you reach big goals through small, consistent savings. Bring together your savings scattered across accounts, cards, and currencies in one place, track your income and expenses with ease, set real goals for yourself, and follow your progress in real time. Now you can also plan your income with the 50/30/20 rule (or your own custom ratios) and see how well you stuck to it at the end of the month. FEATURES Budget Planning (50/30/20) — NEW Enter your monthly income and set your Needs/Wants/Savings ratios using the 50/30/20 rule or fully customize your own. If your salary is fixed, set it up once as "recurring income" and it's applied automatically every month. Income & Expense Tracking Log your spending and income by category, and see your daily/weekly/monthly net position at a glance. Savings Tracker Manage your piggy bank in one screen, and track your savings across different currencies in a single total. Savings Goals Create goals like "New laptop," "Vacation," or "Emergency fund," and see how close you are to reaching them. Shared Expenses Create a shared space with your roommate, partner, or family; join in seconds with an invite code. Collect who spent how much on groceries, bills, or rent in one list, and see all your shared expenses together. Use Settle Up to calculate who owes whom in a single tap and close it out instantly. Detailed Analytics Explore your spending categories with charts, see how your month measured up against your budget plan, analyze shared expenses separately, and review the goals you've completed. Export Export your data as CSV or PDF anytime and build your own archive. Fast & Secure Sign-In Sign in in seconds with your Google or Apple account, no password to manage. Kumul offers a simple, clear, and motivating experience instead of complicated spreadsheets, so you can reach your financial goals. Start with small steps, and reach big goals with Kumul. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/