Simple Finance: Budget Planner

Split it your way, tag anything, and see any month at a glance. Split a bill unevenly. $300 can be $100 for one person and $200 for another, and a bill split once stays split every month it repeats. Your account balance matches the bank, and anyone outside your household who still owes you their share is listed until they pay. See a month, a year, or any dates you choose. The transaction list filters by this month, last year, a named month or exact dates, with what came in, went out and the net for that period. Tag anything. Write #vacation or #wedding in a transaction's note and the tag works across categories. Tap it at the top of Transactions to see just those. Give every dollar a job. Budget shows how much of this month's income is left to assign. Debt Payoff has a What If card: choose an extra amount each month and see how much sooner you're debt-free and the interest it saves. Switching apps? Exports from YNAB, Rocket Money and Copilot import without remapping, with spending the right way round and tags carried over. Bills post on the day even when you haven't opened the app, and a bill that comes in higher than expected is pointed out. When a subscription's price goes up, it links straight to how to cancel. And you can track your credit score in Health Score by writing it down, with nothing pulled from a credit bureau. Find your accounts, bills and goals in Spotlight by name — no balances or amounts, and you can switch it off in Settings. Templates for the things you log all the time: pick one when you add a transaction, log one from the new Quick Log widget with a single tap, or from the Saved row on your Apple Watch, or from Shortcuts without opening the app. There's a Savings Goals widget, an Accounts page and a Goal complication on Apple Watch, and a Shortcuts action a Wallet automation can use to log Apple Pay purchases. Accounts in other currencies. Give an account a currency in its editor — euros, pounds, yen — and its balance and transactions show in that currency, while net worth, budgets and Fin's answers convert to your home currency at the day's rate. If a rate can't be fetched, the figure says so. Budget by envelopes if that's how you think. Turn on Envelope Budgeting and the budget headline becomes what's still to assign — aim for zero — with what's left to spend underneath, and each category carries its balance into next month like a real envelope. Know what's safe before payday. Once you have recurring income set up, Budget shows an Until payday card: this pay period's share of your monthly budget, less what you've spent and the bills still due before then. Ask Fin "how much can I spend until payday?" and you get the same number. Search in plain words. Type "amazon over $50 last quarter", "under 20 this month" or "income last year" into the transaction search and it understands the amount, the dates and the kind. A plain merchant name still works exactly as before. Quiet milestones. A quiet note when a debt reaches zero or your net worth passes a round number — once, never twice, and only for what happens from here on. Fin notices more. When a category is running well above its own three-month average, or the same charge has landed three months running without being set up as a bill, it says so — on the Home card and in the weekly tip, on your device. New to Simple Finance? The first minutes are simpler: add your first expense in seconds, see what's safe to spend this month from just your take-home pay — no budget needed — and a way to message me is right there on Home. No bank login, ever. Also: import rules can file card and loan payments as transfers, search finds bills and paychecks, income gets its own rings, European bank imports land in the right month, and new help answers cover everything above. Questions, or something you wish it did? Message me from Help & Support — I read every one, and most of this update started as somebody asking.