Best Budget App on the market
Very intuitive. Very easy to access your banking, brokerage, and credit card accounts with proven software security.
Free
In-App Purchases
About
This app helps you identify savings opportunities by tracking subscriptions, loans, and rewards. It offers two budgeting methods: Envelopes or Tracking, and allows for shared budgeting with a partner. Financial data is kept private and stored on your devices.
✓Identifies potential savings on subscriptions and loans
✓Tracks card rewards and net worth
✓Offers Envelopes or Tracking budgeting methods
✓Enables shared budgeting with a partner
✓Provides investment and retirement planning tools
✓Ensures data privacy with on-device processing
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What's New in Polaris Budget
1.23
November 6, 2026
Polaris 1.23 • Bond funds, money market funds, cash and crypto can be added as holdings • Ask Siri for your spending or a balance, and get an alert when a category goes over • Reconnecting a bank is easier, and if an institution changes you can update the linking and merge results
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Subscriptions & In-App Purchases
Annual
Link banks and add accounts of your own
$79.991 Year
14 Days trialUser reviews
FAQ
What is Polaris Budget?
Polaris Budget is a personal finance application designed to help users find money they can save, manage their budgets, and plan for investments and retirement. It offers two distinct budgeting methods: Envelopes and Tracking, allowing users to choose the approach that best suits their financial habits.
How does Polaris Budget ensure data security?
Polaris Budget prioritizes user data security by not storing any financial data on its servers. Instead, your budget resides on your devices and syncs via iCloud. Linking banks is optional and read-only, with the ability to add all accounts manually.
Can I budget with a partner using Polaris Budget?
Yes, Polaris Budget allows two people to share one budget on a single subscription, with the partner seat being free. Each user can edit on their own devices, and changes sync via iCloud. You have granular control over which accounts your partner can see.
What are the pricing options for Polaris Budget?
Polaris Budget offers sample data for free. To link banks or add your own accounts, a subscription is required. You can choose between a monthly subscription of $9.99 or an annual subscription of $79.99, both billed by Apple and including a 14-day free trial.
What devices does Polaris Budget support?
Polaris Budget is available on Apple devices, including iPhone, iPad, and Mac. A single subscription covers all three devices for everyone in the household. You can link banks from your iPhone or iPad, and the Mac will display them automatically.
How often is Polaris Budget updated?
Polaris Budget was last updated on November 6, 2026, with version 1.23. This indicates a relatively active development cycle, suggesting ongoing improvements and feature additions.
What are the main budgeting methods in Polaris Budget?
Polaris Budget offers two primary budgeting methods: Envelopes, where every dollar is assigned to a category before spending, and Tracking, where you set targets per category and monitor spending against them. You can switch between these methods at any time.
Does Polaris Budget provide financial advice?
No, Polaris Budget explicitly states that retirement paths, market comparisons, cash outlooks, and card-rewards figures are illustrative estimates and not financial, investment, or tax advice. Official statements from your bank or broker should be used for definitive financial decisions.
