A private, manual money tracker that helps you understand your spending without linking to banks or displaying ads. It offers detailed budgeting tools and insights, with an optional upgrade for advanced features and cloud sync.
2.4.0
October 2, 2026
Navi adjusts your budget. Under Give a job on the Plan tab, "Have Navi adjust my budget" drafts the whole month from your bills, minimums, goals and the last three months of spending — on your phone. Every line comes with a reason and a slider: drag it, and the plan keeps adding up. Nothing is written until you tap Use this plan. If the app knows of no income, housing or debt, Navi asks first — including the minimum you pay on debt, so a card balance and a blank app still get a plan that pays it. The Budget tab, read by group. Protected, Everyday and Future have their own colour, and one bar shows how the month splits between them. A bill sits under its category only in the months it lands — a yearly subscription in February, not every month — and says what it costs that month and how often it comes. Tap the line to check or fix it. A calmer end of month. When the next payday is in the next month, the home card stops counting next month's rent against this month's leftover. It shows what's left for the rest of this month, then says what's due before the new income and whether the cash in your accounts covers it. Red is only for a real shortfall. Import, three doors. Import has its own page: a file from your bank (CSV, OFX or QFX — one picker tells them apart), pasted rows, or a receipt, screenshot or statement PDF read on your phone or by Navi. The review that follows counts what needs a look and imports only the rows you've checked; "Looks right" clears the rest. Longer statements read in one go. A heads-up before the month turns. In the last week of a month the Plan tab asks whether anything is coming up that isn't in your plan yet — tires, registration, Halloween, the furnace visit — starting with what ran over in the same month last year. Pick what applies, type an amount, and it becomes a one-off on that month alone, named under the category and gone the month after. Long-press to take it back out. Pay later, plainly. Quiet Reality's chart names each plan's cadence, so an every-two-weeks plan reads as the two payments a month it is.
MoreQuiet Budget is a manual budgeting app designed for privacy. It allows you to track your income and expenses by entering them by hand, without linking to your bank accounts or displaying ads.
No, Quiet Budget is ad-free across all its tiers. The app is built with a strong emphasis on privacy and user experience, ensuring no advertisements disrupt your budgeting process.
The core features of Quiet Budget are free to use. An optional upgrade, Quiet Plus, offers advanced features and cloud sync with subscription options: $2.99/month, $24.99/year, or a $69.99 lifetime purchase.
Yes, Quiet Budget works fully offline. Your financial data is stored locally on your device, ensuring privacy and accessibility even without an internet connection.
Quiet Plus offers advanced features like zero-based budgeting, savings goals, recurring payment planning, debt payoff tools, and optional account and cloud sync for cross-device use or sharing with a partner.
Quiet Budget is local-first, meaning your data stays on your device unless you opt for cloud sync. The app has no analytics or tracking SDKs, and synced data is encrypted in transit and stored privately.
Quiet Budget is available for iPhone, iPad, and iPod. It is designed to run on Apple devices, offering a consistent experience across the iOS ecosystem.
The latest version of Quiet Budget is 2.4.0, last updated on October 2, 2026. Updates typically include new features, bug fixes, and performance improvements to enhance the user experience.
