# Simple Cents: Budget & Track — Budgeting Made Simple

> Envelope budgeting app for simplified personal finance tracking. (iPhone/iPad app by Vladislav Gershun.)

- Source: https://appshunter.io/ios/app/simple-cents-budget-and-track/id6761251389 (this page in markdown: same URL + `.md`)
- Developer: [Vladislav Gershun](https://appshunter.io/developer/1790006388)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 4.20/5 from 5 App Store ratings · 3 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 17 MB
- Languages: English
- Released: 2026-03-27
- Data updated: 2026-07-09
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/simple-cents-budget-and-track/id6761251389/reviews.md

## What is Simple Cents?

SimpleCents is a personal budgeting app built around the envelope budgeting method - one of the most proven ways to take control of your money. Create budget buckets for anything: groceries, rent, entertainment, savings, travel. Set a monthly limit for each bucket, connect your bank accounts, and watch your spending automatically tracked in real time.

How it works:
- Create buckets for your spending categories
- Connect your bank accounts securely via Plaid
- Track transactions automatically or add them manually
- Get insights into your income, expenses, and savings
- Stay on budget every single month

Why SimpleCents?

Most budgeting apps are complicated, expensive, or both. SimpleCents strips it down to what actually matters - knowing where your money is going and staying on top of it. No overwhelming dashboards. No financial jargon. Just simple, clear budgeting. Whether you're saving for a trip, paying off debt, or just trying to spend less than you earn, SimpleCents gives you the clarity to make it happen.

Features:
- Envelope-style budget buckets
- Automatic bank sync via Plaid
- Monthly spending insights
- Income vs. expense tracking
- Secure login with FaceID
- Clean, minimal design

Start budgeting the simple way.

Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula

## Key features

- Envelope-style budget buckets
- Automatic bank sync via Plaid
- Monthly spending insights
- Income vs. expense tracking
- Secure login with FaceID
- Clean, minimal design

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Pro Monthly | $9.99 | per month |
| Pro Yearly | $89.99 | per year |


## Recent user reviews (3 of 3)

All indexed reviews: https://appshunter.io/ios/app/simple-cents-budget-and-track/id6761251389/reviews.md

### 5/5 — Awesome app!!!!

*2026-04-09*

Love it so far!!!

### 5/5 — Highly recommend

*2026-03-31*

User friendly, and I really like the debt tracker option

### 5/5 — The best budgeting app

*2026-03-28*

Exactly what I was looking for. Super minimal (in a good way) and easy to use.

**Developer response:** I’m glad you’re enjoying it!

## Frequently asked questions about Simple Cents

### How does SimpleCents help me budget?

SimpleCents uses the envelope budgeting method. You create virtual 'buckets' for different spending categories like groceries or entertainment, set a monthly limit for each, and track your spending against these limits.

### Is SimpleCents secure?

Yes, SimpleCents uses secure login with FaceID and connects to your bank accounts securely via Plaid, a trusted financial data aggregation service.

### What devices does SimpleCents support?

SimpleCents is available for iPhone and iPad devices.

### How often is SimpleCents updated?

The latest version of SimpleCents is 1.3, and it was last updated on March 31, 2026. Updates typically focus on improving features and reliability.

### What are the main benefits of using SimpleCents?

Users appreciate its simple, clear design and focus on essential budgeting features without overwhelming dashboards or financial jargon. It provides clarity to help users stay on budget.

### Does SimpleCents have ads?

No, SimpleCents does not contain advertisements, providing an uninterrupted budgeting experience.

### What is the age rating for SimpleCents?

SimpleCents has an age rating of 4+, making it suitable for a wide range of users.

### Can I track my income with SimpleCents?

Yes, SimpleCents offers income versus expense tracking, allowing you to see your overall financial picture and monitor your savings.

## Version history (last 5 releases)

### 1.16 — 2026-04-12

What's new in Simple Cents version 1.16

- Minor bugs & performance improvements

### 1.3 — 2026-03-31

What's New in SimpleCents 1.3

- Debt Buckets: New type of bucket that lets you track your debts
- Net Worth: See your net worth broken down by assets and liabilities
- Transaction Review: Review and categorize new bank transactions when you open the app
- Face ID Lock: Secure the app with Face ID or passcode
- Quick Add: Add transactions or buckets right from the home screen
- Bank Status Alerts: Get notified when a linked bank connection needs attention
- Chart Haptics: Feel haptic feedback when interacting with charts
- Compact Layout: Toggle between standard and compact 2-per-row bucket view
- Reorder Sheet: Reorder all your buckets from one place

### 1.2 — 2026-03-29

What's New in Version 1.2:
                                                                       
-Added support for iOS 18
- Net worth line chart: Drag to explore your balance history with 1W, 1M, 3M, 6M, 1Y, and ALL time periods                                                                    
- Widget improvements: Correct over/under budget display, smarter default bucket selection                                                                               
- Improved category pickers: Selected categories now appear at the top for quick reference                                                                               
- Past month insights now show "Saved in March" or "Overspent in January" instead of generic text                                                                            
- Bug fixes and performance improvements

### 1.1 — 2026-03-28

- Widgets are here! (Budget summary, single bucket)
- Exclude transactions from Insights
- Top categories breakdown in Insights
- Interactive pie charts with category filtering
- Improved category pickers
- Daily budget notifications
- Redesign app icon
- Performance improvements and bug fixes

### 1.0 — 2026-03-27

No release notes.

## More apps by Vladislav Gershun

- [Countdown: Moments Tracker](https://appshunter.io/ios/app/countdown-moments-tracker/id6740446227)
- [Workout Tracker: Repsify](https://appshunter.io/ios/app/workout-tracker-repsify/id6765833984)
- [Learn Bible Verse: Manna](https://appshunter.io/ios/app/learn-bible-verse-manna/id6770140104)

All apps by Vladislav Gershun: https://appshunter.io/developer/1790006388

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*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 2026-07-09.*