Newmonth: Zero-Based Budgeting
Envelope budget in your iCloud
About
This app helps you understand exactly how much money is available to spend after essential expenses and savings goals. It provides a clear overview of your budget, tracks spending, and allows for collaborative budgeting with a partner.
What's New in Newmonth
0.11.0
September 28, 2026
• Notifications — if you want them: a card payment coming due, a bill due today, your day to assign, and every transaction your automations record. • Bank alerts — a new Shortcuts action reads the email or text your bank sends after a booking and puts every transaction in your review list. • No more doubles — a payment you already typed in or scheduled is matched instead of recorded twice. When newmonth isn't sure, it asks: Same Transaction or Keep Both. • Payee rules — "REWE SAGT DANKE 47281" becomes "REWE", straight into its category, on every future import and capture. • Repeating goals — a goal that repeats every few months or once a year can set its amount aside every cycle or top up to it, and can count the money already in its category. • Where It Went — your month as one color strip; tap any category to see its transactions. • Credit cards — set the payment due day once; every statement's due date follows from it. • Plus fixes to goals, snooze, Quick-Assign and shared budgets.
MoreFAQ
How does Newmonth help me know what's safe to spend?
Newmonth uses zero-based budgeting, assigning every dollar to a job. Your 'Available' amount for each category shows precisely what's free to spend after all your planned expenses and savings goals are accounted for.
Can I budget with my partner using Newmonth?
Yes, Newmonth allows collaborative budgeting through iCloud. You and your partner can see the same budget numbers live on your own phones, with transactions showing who entered them.
How are credit cards handled in Newmonth?
Credit cards are treated as just another account. You budget from a category to spend, and then transfer money to pay the card. The app helps you track statements and budget for carrying a balance.
Does Newmonth require bank logins?
No, Newmonth does not require any bank logins. Your budget lives entirely on your iPhone and syncs through your personal iCloud, ensuring your financial data remains private.
What types of financial goals can I set in Newmonth?
Newmonth supports five types of goals: monthly, weekly, yearly, a savings balance, or goals needed by a specific date. It provides a glance to show if you are on track for each.
How frequently is Newmonth updated?
The latest version, 0.11.0, was released on September 28, 2026. While specific update frequency isn't detailed, this indicates active development.
What devices does Newmonth support?
Newmonth is currently supported on iPhone devices. It utilizes iCloud for syncing, making it convenient for Apple users.
Is Newmonth suitable for beginners to budgeting?
Yes, the zero-based budgeting approach and clear 'Available' spending indicator make it straightforward for beginners to understand their finances and start budgeting effectively.