Modest Finance

Modest Finance

Spending, Budget, & Cash Flow

13 ratings
10 reviews
Free
In-App Purchases

Details

  • Released
  • Updated
  • October 29, 2025
  • June 7, 2026
Modest Finance screenshot #1 for iPhone
Modest Finance screenshot #2 for iPhone
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Modest Finance screenshot #6 for iPhone
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About

Plan your financial independence by setting a net worth goal and budgeting towards it. Get real-time progress updates and AI-powered expense categorization. Avoid overdrafts with checking account balance previews.

Financial independence planner
Real-time progress tracking
AI expense categorization
Checking account balance previews
Budgeting tools
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What's New in Modest Finance

2.0.3

June 7, 2026

AI-generated personalized reports & insights

Subscription plans

Monthly Subscription

Grants access to Modest app for budgeting.

$8.991 Month
7 Days trial
How to cancel Modest Finance subscription ⁉️

User reviews

Excellent tracking

Excellent tracking type of spending across accounts & credit cards

Super simple

Really nice looking app that I was able to figure out in a few few clicks. Really like seeing the net income tab.

Great for understanding your monthly expenses!

Modest makes it super easy to see how you’re spending every month, so you can have a clear sense of your budget and identify places to cut back if needed. It was really helpful when trying to figure out how much we could afford when buying a house, so that we could look at our past spending data to make sure we had room in the budget.
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This app actually makes a difference in how I approach spending and saving

I love how the app goes beyond just tracking/budgeting to actually show ways to save and course-correct with my finances. The visuals are super clear and make it easy to understand the bigger picture of where my money is going and what to do about it!!

Form and function

Beautiful app with great AI classifications. More simple than other budgeting apps, focuses on recurring vs one-time expenses and projects how much you’ll be able to spend in retirement. It covers everything I care about

FAQ

What is Modest Finance's main goal?

Modest Finance helps users find the net worth needed for financial independence and provides tools to budget and accelerate that timeline. It offers real-time feedback on progress towards these long-term goals.

How does Modest Finance categorize expenses?

Modest Finance uses AI categorization to automatically sort expenses into categories like bills, flex spend, and shared expenses. This feature is designed to be accurate and functional.

Does Modest Finance offer a free trial?

Yes, Modest Finance offers free trials for its subscription plans. Users can choose between a 7-day or 1-month free trial period before committing to a subscription.

What are the subscription options for Modest Finance?

Modest Finance offers monthly subscriptions at $8.99 and annual subscriptions at $80.99. Both options come with a free trial period.

How does Modest Finance help prevent overdrafts?

The app provides checking account balance previews, allowing users to plan their cash reserves effectively. This feature helps users avoid potential overdrafts by keeping them informed of their current financial standing.

Is Modest Finance available on multiple devices?

Currently, Modest Finance is supported on iPhones. The app is designed for iOS devices.

How often is Modest Finance updated?

The latest version of Modest Finance is 1.6.4, which was last updated on March 25, 2026. Updates are released to improve functionality and add new features.

What is the age rating for Modest Finance?

Modest Finance has an age rating of 4+. This indicates it is suitable for a wide range of users, including children, with no mature content.