# Modest Finance — Spending, Budget, & Cash Flow > Financial independence planner with AI budgeting and cash flow management. (iPhone/iPad app by Modest Ventures LLC.) - Source: https://appshunter.io/ios/app/modest-finance/id6742116324 (this page in markdown: same URL + `.md`) - Developer: [Modest Ventures LLC](https://appshunter.io/developer/1748674233) - Category: Finance - Price: Free with in-app purchases - Rating: 5.00/5 from 13 App Store ratings · 10 written reviews indexed - Age rating: 4+ - Requires: iOS 18.0 · 35 MB - Languages: English - Released: 2025-10-29 - Data updated: 2026-06-23 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/modest-finance/id6742116324/reviews.md ## What is Modest Finance? Meet your 24/7 personal financial strategist, providing personalized ideas and reports each week about how to grow your money. Link your accounts through Plaid, and the app builds a living financial model around your household: net worth, savings rate, spending patterns, and a timeline to your goals. It then turns your transactions into categories and a personalized feed of stories. Change something today, and watch your long-term outlook update instantly. What you get: - New reports generated each week tailored to your specific household finances and goals - AI-powered categorization that actually works — bills, flex spend, wedding, and custom categories - Spending insights by year, month, or week with automatic breakdowns - Financial independence timeline that updates daily as your accounts sync - Household dashboard for partners who share goals, not every transaction Built by product people who got tired of clunky finance apps. No spreadsheets required. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - Financial independence planner - Real-time progress tracking - AI expense categorization - Checking account balance previews - Budgeting tools ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Monthly Subscription | $8.99 | per month | | Annual Subscription | $80.99 | per year | | Monthly Subscription | $8.99 | per month | | Annual Subscription | $80.99 | per year | | Monthly Subscription | $8.99 | per month | | Annual Subscription | $80.99 | per year | ## Recent user reviews (10 of 10) All indexed reviews: https://appshunter.io/ios/app/modest-finance/id6742116324/reviews.md ### 5/5 — Excellent tracking *2026-04-30* Excellent tracking type of spending across accounts & credit cards ### 5/5 — Super simple *2026-04-25* Really nice looking app that I was able to figure out in a few few clicks. Really like seeing the net income tab. ### 5/5 — Great for understanding your monthly expenses! *2026-03-27* 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. ### 5/5 — This app actually makes a difference in how I approach spending and saving *2026-03-26* 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!! ### 5/5 — Form and function *2026-03-25* 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 ### 5/5 — Great Spending Tracker *2026-03-25* Excellent for tracking spending on one or more credit cards! ### 5/5 — Switching from Monarch *2026-03-25* Just came over from Monarch. I’m excited about all the pace in the industry but I gotta say the basics still just don’t work for me. setting and resetting my budget is a chore. Origin also just seems to ignore basic budgeting. Modest is the ONLY app that helped me figure out what I save, and organized my recurring expenses and flexible spending instantly the way I wanted. I honestly hadn’t thought a lot about financial independence but now my partner and I are obsessed with tracking ours… hope the pace continues! ### 5/5 — Easy to understand path to FI *2026-03-21* Easy to use, quick setup, visually really well done too. Love how it helps tie my weekly/monthly choices to my path to financial independence. ### 5/5 — BEST FIRE FINANCE TRACKING APP *2026-03-21* Other apps don’t come close to this usability and feature set. Love seeing my outlook update in real time. Seamless tracking with my partner makes this a must have for any couple on this journey. ### 5/5 — So intuitive, so easy. Life changing. *2026-03-20* Best budgeting app I’ve ever used. It’s so much easier to set up and it does the work for you. It feels easy and user friendly in a way every other budgeting app I’ve tried has failed to capture. ## Frequently asked questions about Modest Finance ### 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. ## Version history (last 5 releases) ### 2.0.3 — 2026-06-07 AI-generated personalized reports & insights ### 2.0.1 — 2026-06-04 AI-generated personalized reports & insights ### 1.7.6 — 2026-05-02 Moved financial plan/timeline into a dedicated tab for ease of access. ### 1.6.4 — 2026-03-25 - Share your financial independence timeline with a partner in a two-player collaborative mode - Misc bug fixes ### 1.6.3 — 2026-03-24 - Share your financial independence timeline with a partner in a two-player collaborative mode - Misc bug fixes ## Apps similar to Modest Finance | App | Rating | Price | Category | | --- | --- | --- | --- | | [BNY Investments Mutual Funds](https://appshunter.io/ios/app/bny-investments-mutual-funds/id6738056651) | 2.0 (4) | Free | Finance | | [Stock+: Stock Market Heat Map](https://appshunter.io/ios/app/stock-plus-stock-market-heat-map/id6473104185) | 4.5 (75) | Free | Finance | | [Mercury \| Bank Differently](https://appshunter.io/ios/app/mercury-bank-differently/id1491984028) | 4.9 (11,813) | Free | Finance | | [Unusual Whales](https://appshunter.io/ios/app/unusual-whales/id1514447510) | 4.7 (37) | Free | Finance | | [Forage EBT Balance & Rewards](https://appshunter.io/ios/app/forage-ebt-balance-and-rewards/id6742527220) | 4.8 (513) | Free | Finance | | [Peek - AI Personal Finance App](https://appshunter.io/ios/app/peek-ai-personal-finance-app/id6742875016) | 4.4 (225) | Free | Finance | --- *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 2026-06-23.*