# Neptune: Budgeting & Finance — Budgeting, Spending, Tracking > Automated personal finance tracker for budgeting, spending, and subscription management. (iPhone/iPad app by Service Storm, LLC.) - Source: https://appshunter.io/ios/app/neptune-budgeting-and-finance/id6765719523 (this page in markdown: same URL + `.md`) - Developer: [Service Storm, LLC](https://appshunter.io/developer/1821280773) - Category: Finance - Price: Free with in-app purchases - Rating: 4.00/5 from 1 App Store ratings - Age rating: 12+ - Requires: iOS 15.1 · 58 MB - Languages: English - Released: 2026-05-13 - Data updated: 2026-07-23 - Monetization: subscription - User reviews in markdown: https://appshunter.io/ios/app/neptune-budgeting-and-finance/id6765719523/reviews.md ## What is Neptune? Neptune: Budgeting & Finance Connect your bank, and Neptune does the rest. Every transaction is automatically categorized, every subscription surfaced, every bill tracked — so you actually know where your money goes and what's coming next. Built for people who want clarity without spreadsheets, Neptune turns your accounts into a living picture of your finances. See your cashflow in real time, set budgets that adapt, and get gentle, plain-English coaching the moment something looks off. Why people use Neptune • Connect every account in seconds with secure bank linking • Watch your money move with a live cashflow view • Stop forgetting about Netflix, the gym, or that random $4.99 — Neptune finds your subscriptions and bills automatically • Know the difference between essential bills (rent, utilities, insurance) and discretionary subscriptions, side-by-side • AI categorization that actually learns your spending — no rules to write • Build a budget in minutes with one of five strategies (Zero-Based, 50/30/20, Envelope, Flex, or fully custom) • Track goals — emergency fund, vacation, a big purchase — and see them grow alongside your spending • Pull up any past day to see exactly what your finances looked like at that moment • Share with a partner via household invites — everyone sees the same source of truth • Visual spending breakdowns with pie charts (Base+) • Advanced insights, forecasting, and goal projections (Base+) • Unlimited AI coaching that surfaces insights like "you spent 40% more on dining this month" — without the lecture (Base+) Privacy first Your bank credentials never touch our servers. We use bank-grade encryption (Plaid) and never sell your data. Read-only access, always. Neptune is the budgeting app for people who'd rather understand their money than wrestle with it. — SUBSCRIPTION REQUIRED — Neptune requires an active subscription to use. After installing, choose between two paid plans: • Base — full budgeting, transactions, bank syncing, and limited AI suggestions. • Base+ — everything in Base, plus unlimited AI coaching, pie charts and visual breakdowns, advanced insights and forecasting, goal projections, and multi-account dashboard. Pricing: • Base Monthly — $8.99/month • Base Yearly — $95.99/year • Base+ Monthly — $16.00/month • Base+ Yearly — $179.99/year Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscription by going to your Apple ID account settings after purchase. Terms of Use: https://neptunebudget.com/terms Privacy Policy: https://neptunebudget.com/privacy ## Key features - Automatic transaction categorization - Subscription and bill tracking - Live cashflow visualization - AI-powered spending insights - Multiple budgeting strategies - Financial goal tracking - Partner sharing ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Base | $8.99 | per month | | Base | $95.99 | per year | | Base+ | $16.00 | per month | | Base+ | $179.99 | per year | ## Frequently asked questions about Neptune ### What are the subscription plans for Neptune? Neptune offers two subscription plans: 'Base' for core budgeting features and 'Base+' which includes advanced insights, AI coaching, and visual breakdowns. Pricing varies by monthly or yearly commitment, with yearly plans offering a discount. ### How much does Neptune cost? The 'Base' plan costs $8.99/month or $95.99/year. The 'Base+' plan is $16.00/month or $179.99/year. These prices are subject to change and are charged to your Apple ID. ### Can I cancel my Neptune subscription? Yes, you can manage and cancel your subscription through your Apple ID account settings. Auto-renewal must be turned off at least 24 hours before the end of the current period to avoid being charged for the next cycle. ### Is Neptune safe to connect to my bank? Yes, Neptune uses bank-grade encryption via Plaid for secure, read-only access to your accounts. Your bank credentials never touch their servers, and your data is never sold. ### What devices does Neptune support? Neptune is available on iPhone, iPad, and iPod. It is designed for iOS devices. ### How often is Neptune updated? The latest version, 1.2.0, was released on June 8, 2026, indicating regular updates. The app was initially released on May 13, 2026. ### What is the age rating for Neptune? Neptune has an age rating of 12+, suggesting it is suitable for users aged 12 and above. ### Does Neptune have ads? No, Neptune does not contain advertisements. The app operates on a subscription model for access to its features. ## Version history (last 5 releases) ### 1.4.0 — 2026-07-16 What's new in 1.4.0? A home screen that feels like your wallet Your dashboard now opens on your accounts as real bank cards — balance front and center, with the last four digits of each account right on the card. Swipe between your connected banks like flipping through a wallet, and whichever card you land on filters your whole dashboard — transactions, budget, everything — to that account. Notifications, right where you land Your most recent alert now lives on the home screen instead of tucked away. Swipe it aside to clear it, or tap through to see them all — so you catch up the moment you open the app. Your top actions, one tap away Ask Neptune AI and Sort spend now sit right on your accounts. Jump straight into the assistant or auto-categorize your spending without hunting for a button. A dashboard that leads with what matters Recent transactions and your subscriptions now sit above the budget cards, so the things you check most are the first things you see. A little more personality The empty corners of the app aren't so empty anymore — you'll find some friendly faces waiting wherever there's nothing to show yet. Every card carries its own subtle, one-of-a-kind detailing, and your accounts animate in with a smooth, dealt-into-place feel each time you open the app. Cleaner, calmer, top to bottom A bold new full-width account header anchors the home screen, the status bar adapts as you scroll, and everything stays crisp and consistent across light and dark. ### 1.3.0 — 2026-07-01 What's new in 1.3.0? Make the navbar yours Pick which tabs live on your bottom bar and reorder them to match how you budget. Everything else tucks into a new More menu — Settings, Ask Neptune AI, and Send feedback are all one tap away. A budget for every household Each household now gets its own budget. Switch households and the whole app — budget, transactions, and accounts — follows along, so shared and personal money never get tangled. Notifications, your way New per-alert controls in Settings. A master push switch, plus individual toggles for: • Budget overages • New transactions • Large purchases (over $200) • Incoming money Live bank sync A progress banner now shows exactly where a bank connection is as it syncs, so you're never left guessing whether new transactions are on the way. Redesigned account switcher Accounts are grouped by who owns them, cleaner to scan, and faster to jump between — especially once your household has a few members. Smarter, safer AI Ask Neptune AI is faster and more reliable, with tightened security around your financial data. Feedback that actually reaches us Send feedback straight from the app and it lands with us instantly — suggestions and bug reports get to the team faster than ever. Cleaner everywhere A fresh app icon, a smoother splash and gentler page transitions, more consistent light and dark theming, redesigned confirmation dialogs, a retired date jumper, and a higher-sitting transaction search bar. Subscription sharing We now offer subscription sharing on existing users. Base offers 1 shared user, Base+ offers up to 5 shared users. You can invite users from the manage subscription page or from the settings drawer. ### 1.2.0 — 2026-06-08 What's new in 1.2.0? Households Share a budget with family or roommates. Invite by code, see who's in, or remove members. Leave anytime. Quick actions on home One-tap to sort transactions with AI, create a goal, or connect a new bank. Right above your Budget Spent card. Profile pictures Upload your own from settings — your avatar shows up everywhere in the app. Better transaction filters Filter by amount range, date range, or status in a clean new bottom sheet. Includes a "Done" pill above the keyboard so you can dismiss it without fighting iOS. Bar ↔ pie toggle on Budget Tap once to switch how you view your spending. Same data, two views. Cleaner everywhere Fresh icon set, Nunito font throughout, redesigned home and budget pages, smoother list animations, gentler page transitions. Updated home page Account balance shows with an animated rolling counter; cents are smaller and muted. A bell on the right opens notifications; settings sits next to it. Plus a hundred smaller fixes Cleaner authentication screens, AI categorize confirmation card with swipe-to-dismiss, faster transaction list scrolling, accurate uncategorized counts, dozens of polish touches across every screen, and many, many UI and UX fixes. ### 1.1.0 — 2026-06-03 What's new in 1.1.0? A refreshed navigation experience with Liquid Glass styling for supported iOS devices, a separate More button, transaction search, improved account switching across key screens, and cleaner transaction rows when viewing a single account. ### 1.0.3 — 2026-05-25 Push notifications are here • Real-time alerts for new transactions — every charge and deposit pings your phone the moment it hits your account. • Budget exceeded alerts — when a category goes over its allocated amount, you'll get a heads-up so nothing sneaks past you. • Smart deduping — you'll only hear about a category going over once per period, not every time you spend in it. Tighter, more polished UI everywhere • Refreshed bottom sheets across the app — smoother open/close animations, native-feeling shape morph, drag-to-dismiss on every drawer. • New floating Settings drawer with stacked-sheet depth and a clean back-arrow header. • Reworked More menu — tiles instead of a list, faster to scan and tap. • Crisper transactions screen: redesigned floating "Jump to date" and selection toolbar, full-width tap targets for subscription rows, and a tighter selection bar that no longer hides behind the tab bar. • Account cards got a clean redesign — institution + balance + sync status, no more chunky action rows. • Auth screens on mobile now use rounded pill inputs with icons and taller buttons, matching iOS conventions. • Dark mode brand color now matches light mode, so the app feels consistent end-to-end. • Floating tab bar finally floats — no more gray strip behind the pill. Tons of small fixes • Sheets are snappier on every device and open animation no longer drops on the first try. • AI chat opens cleanly from anywhere in the app. • Many small spacing, color, and motion tweaks throughout. ## More apps by Service Storm, LLC - [Service Storm](https://appshunter.io/ios/app/service-storm/id6747405667) All apps by Service Storm, LLC: https://appshunter.io/developer/1821280773 --- *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 2026-07-23.*