Newmonth: Zero-Based Budgeting

Newmonth: Zero-Based Budgeting

Envelope budget in your iCloud

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Free

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Details

Released
August 25, 2026
Updated
October 21, 2026

Features

Newmonth: Zero-Based Budgeting screenshot #1 for iPhone
Newmonth: Zero-Based Budgeting screenshot #2 for iPhone
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Newmonth: Zero-Based Budgeting screenshot #9 for iPhone
Newmonth: Zero-Based Budgeting screenshot #10 for iPhone
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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.

✓Zero-based budgeting
✓Real-time available spending
✓Goal tracking
✓Transaction entry
✓Overspending alerts
✓Collaborative budgeting via iCloud
✓Spending trend analysis
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What's New in Newmonth

0.12.0

October 21, 2026

The biggest update yet. NEWMONTH ON IPAD newmonth is now a real iPad app. On an iPad, an open iPhone Duo, or an iPhone Plus or Pro Max held sideways, it uses every inch: Budget lines up Assigned, Spent and Available in columns with the category's details right beside the list, Transactions and Accounts get sidebars, and Home and Insights spread into two columns. A FRESH LOOK FOR BUDGET • A bold To Assign card, green when you're on track, coral when you've assigned too much • Alerts now live right in the list, and the + and month buttons are Liquid Glass • Figures roll to their new value when you assign, cover overspending or fund a goal • Smoother everywhere: lists, groups and charts animate instead of jumping NEW • Add up a receipt as you type it: + − × ÷ right above the number pad • Track what your investments are worth with Update Value, and see in Net Worth what you saved and what your investments earned • Category Trends gives every category its own page: average spending, how often you shop, and who got the money • Settings → iCloud Sync shows whether your changes reach iCloud, and says plainly when your iCloud storage is full Plus a pile of fixes and improvements. Thanks for budgeting with newmonth!

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FAQ

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.