# Kumul: Budget Planner — Expense Tracker, Savings Goals

> Expense Tracker, Savings Goals (iPhone/iPad app by hatice busra dik.)

- Source: https://appshunter.io/ios/app/kumul-budget-planner/id6805524972 (this page in markdown: same URL + `.md`)
- Developer: [hatice busra dik](https://appshunter.io/developer/6805524974)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 15.1 · 46 MB
- Languages: American English
- Released: 2026-08-29
- Data updated: 2026-10-10
- User reviews in markdown: https://appshunter.io/ios/app/kumul-budget-planner/id6805524972/reviews.md

## What is Kumul?

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/

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Kumul Premium Yearly | $5.99 | per year |
| Kumul Premium Monthly | $0.99 | per month |



## Version history (last 3 releases)

### 1.0.2 — 2026-10-03

In this update:

- Budget Planning (50/30/20) 
Enter your monthly income and plan your Needs/Wants/Savings ratios, using the 50/30/20 rule or your own custom split.
- Recurring Income 
Set up fixed income like your salary once as "recurring income" and it's applied automatically every month — just like recurring payments.
- Budget comparison in Analytics
See each month how closely your real income and spending matched your budget plan.
- Goal categories now shown as a percentage chart
See at a glance how much weight each goal category (vacation, car, etc.) carries.
- Minor improvements and bug fixes.

### 1.0.1 — 2026-09-07

In this update:

- Shared Expenses: Create a shared space with your roommate or partner, join in seconds with an invite code, and track your expenses together in one list.
- Improved the Analytics screen.
- UI improvements and bug fixes.

### 1.0 — 2026-08-30

No release notes.

## Apps similar to Kumul

| App | Rating | Price | Category |
| --- | --- | --- | --- |
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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 2026-10-10.*