Smarter Budget

Smarter Budget is envelope budgeting that tells you, every day, how much you can still spend. Give every amount you have a job before you spend it: rent, groceries, the yearly insurance bill, a trip next spring. Each envelope shows what's available, and envelopes with daily pace turned on show what's left today — on your phone, your Mac and your watch face. KNOW WHAT YOU CAN SPEND TODAY • Daily pace divides an envelope by the days left, fixed at the start of each day. • Spend less today and tomorrow gets a little more. Spend more and the days ahead adjust. • A watch face complication shows today's number at a glance. NOT SURE YET Bank lines are often cryptic. Mark a purchase Not sure yet: the money counts straight away, nothing is hidden, and it waits on Home until you know what it was. OVERSPENDING HAPPENS When an envelope goes over, cover it in one tap. Every envelope says whether it's Must pay, Could reduce or Optional, so you take from the right place. TARGETS YOU CAN TRUST Bills and savings goals look only at what's actually in the envelope. Four plain states: Funded, On track, Ahead, Behind — and every number can explain itself. RUNWAY Living on savings? See how many months your money lasts at each way of living, and pay yourself a set amount each month. TRIPS AND PLANS Plan a trip with its own budget in the local currency. Rough price estimates come from public travel guides, always labelled with their source. ANY CURRENCY Each account keeps its own currency. The exchange rate is saved with each purchase, so your history never shifts. AND THE REST • Import bank statements (Excel, CSV); nothing is counted twice. • Search every transaction by note, shop, envelope or amount. • Bill reminders, backups, Face ID lock, and short lessons that teach the method. • iPhone, iPad, Mac and Apple Watch, kept in step through your iCloud. PRIVATE BY DESIGN No account, no ads, no tracking. Your budget lives in your own iCloud, never on our servers — there aren't any. Optional Apple Intelligence features run on your device. FREE FOR TWO WEEKS Then a one-time purchase unlocks Smarter Budget on every device. No subscription. Your budget is never locked away: you can always open, search and export it.