# Offshore Budgeting — Your money, safely offshore > Private, offline personal finance tracker with customizable planning and visualization. (iPhone/iPad app by Michael Brown.) - Source: https://appshunter.io/ios/app/offshore-budgeting/id6754517095 (this page in markdown: same URL + `.md`) - Developer: [Michael Brown](https://appshunter.io/developer/1827710600) - Category: Finance, Business - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 12+ - Requires: iOS 18.6 · 259 MB - Languages: Arabic, English, French, German, Portuguese, Chinese, Spanish - Released: 2026-02-04 - Data updated: 2026-06-02 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/offshore-budgeting/id6754517095/reviews.md ## What is Offshore Budgeting? Offshore is a private financial workspace designed to help you understand your money without connecting to a bank or sharing your data. Everything runs locally on your device, with optional iCloud sync across iPhone, iPad, and Mac. No accounts. No logins. No data collection. Offshore focuses on clarity, not automation. It gives you a structured place to think through income, expenses, and financial decisions in a way that feels intentional and calm. Plan with Intention: Offshore separates planned costs from everyday spending, helping you clearly see fixed commitments alongside variable expenses. Presets make it easy to reuse common patterns while keeping each period flexible and realistic. Instead of burying numbers in categories, Offshore shows how every decision affects what remains available to save, spend, or adjust. See Your Finances Over Time: Financial periods can be organized daily, weekly, monthly, quarterly, or annually. The income calendar helps you visualize when money arrives, what has been received, and how timing impacts your overall picture. This approach makes it easier to reason about cash flow instead of reacting to totals after the fact. Adapt It to How You Think: Customize cards, categories, and presets to match how you reason about money. Offshore stays lightweight and personal, offering structure without clutter. Key metrics can be pinned, reordered, and reviewed from the Home screen as your priorities change. Clear Like a Spreadsheet, Without the Friction: Offshore captures the clarity people love about spreadsheets while removing the overhead. As entries change, totals update automatically so you can see the full picture at a glance. Private by Design: Your data stays on your device. Offshore works fully offline, with optional iCloud sync for those who want continuity across devices. Your finances remain personal, secure, and fully under your control. Who Offshore is For: * People who want clarity without automation * Spreadsheet thinkers who want something calmer * Individuals, families, and small teams tracking finances privately * Anyone who prefers understanding their money over handing it to a service * No subscriptions. No accounts. Just your data, your way. ## Key features - Private financial workspace - Offline functionality - Optional iCloud sync - Plan income and expenses - Visualize finances over time - Customizable categories and presets - Spreadsheet-like clarity without friction ## Frequently asked questions about Offshore Budgeting ### Does Offshore Budgeting have ads? No, Offshore Budgeting is completely ad-free. The app is free to download and use without any advertisements. ### How secure is Offshore Budgeting? Offshore Budgeting is designed with privacy as a core principle. All your financial data runs locally on your device, and it does not connect to any banks or collect your data. ### What devices does Offshore Budgeting support? Offshore Budgeting is available on Mac, iPhone, and iPad. It offers optional iCloud sync for continuity across these Apple devices. ### Can I use Offshore Budgeting offline? Yes, Offshore Budgeting works fully offline. This ensures your financial data remains private and accessible even without an internet connection. ### How often is Offshore Budgeting updated? The latest version of Offshore Budgeting is 2.4, and it was last updated on June 1, 2026. Updates aim to improve functionality and user experience. ### What is the age rating for Offshore Budgeting? Offshore Budgeting has an age rating of 12+. This indicates it is suitable for users aged 12 and older. ### What are the benefits of using Offshore Budgeting over other finance apps? Offshore Budgeting focuses on clarity and intentionality rather than automation. It provides a structured, private workspace without requiring bank connections or data sharing. ### Is there a subscription for Offshore Budgeting? No, Offshore Budgeting does not require any subscriptions. It is offered as a free application for users to manage their finances privately. ## Version history (last 5 releases) ### 2.4 — 2026-06-01 1. Marina is now powered by Apple Intelligence. Chat with Marina to get insights about your budget, expenses, income, and more on supported devices. 2. Added Forecast Savings and Safe Spend Today widgets for the Home Screen, Lock Screen, and macOS desktop. 3. Added Quick Links on iPad and Mac so you can quickly add expenses and income from the sidebar. 4. Spend Trends now lets you press any bar in the Home tab graph to reveal expenses from that period. 5. Categories can now be archived from the Manage Categories screen, similar to Presets. 6. Added iCloud sync options for What-if Scenarios and Home tab arrangement across devices with iCloud enabled. ### 2.3.4 — 2026-03-30 1. Card and Expense Improvements Added historical card ledger entries and precise handling of debits, credits, income, and adjustments for clearer spending insights. 2. Reconciliation Redesign Streamlined design with search, category chips, and sorting to find transactions quicker. 3. Savings Account Refinement Fixed post‑dated budget updates to ensure accurate running totals; totals now reflect correctly after edits. 4. Shortcut and Widget Support New and improved Quick Actions links are now available with clearer setup instructions in Help. Control Center and Lock Screen widget support is now available. ### 2.3.3 — 2026-03-21 1. Language Support Offshore now supports English, Spanish, French, German, Portuguese, Arabic, and Simplified Chinese. 2. Next Planned Expense Fixed an issue where hiding future planned expenses could leave the Next Planned Expense widget empty on the Home tab. 3. Reconciliations and Savings Fixed an issue where split transactions incorrectly counted toward savings. Splits to Reconciliations now only affect that balance and no longer impact Savings Outlook. 4. Excursion Mode Resolved a Dynamic Island bug where the activity would not clear after expiration. Also improved Location Services permission prompting. 5. Sparkle and Polish Additional quality of life improvements for a smoother Offshore experience. ### 2.3.2 — 2026-03-06 What's New in Offshore 1. Onboarding Experience The onboarding flow now supports setting up your entire budgeting workspace. Previously, only select features were configured during onboarding. 2. Excursion Mode Excursion Mode now delivers more precise notifications near relevant points of interest, while still processing everything 100% on-device. 3. What If? Scenario Planner What If? now supports using income in scenarios, not just category spending. The planner also loads with the current period’s category limits from active budgets and lets you enter a desired scenario value. 4. Reconciliation Improvements Fixed an issue where offsetting an expense with a Reconciliation account would not allow the full available amount to be used. 5. Savings Account The Savings graph now includes two views: Running Total and Current Period. 6. Swipe to Edit or Delete Swipe gestures are now available on the Budgets list for quicker editing and deletion. 7. Category Selection Budget and Card detail views now support selecting multiple categories for filtering. 8. Quick Actions Changes Quick Actions for Add Income, Add Expense, and Tap to Pay have been removed. Tap to Pay automations are now documented in the Help Guide with step-by-step setup instructions so you can configure them directly on your device. ### 2.3.1 — 2026-02-27 1. The in-app, workspace-scoped Savings Account now supports adding negative manual entries to transfer any amount of the running balance 'out' of the savings account to reflect when funds are moved to your actual bank's savings account. 2. Splitting transactions now supports splitting by percentage using a slider. This makes it so that the split amount value can be calculated easily. 3. This update also includes quality of life improvements. --- *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 2026-06-02.*