# Smarter Budget — Know what you can spend today

> Know what you can spend today (iPhone/iPad app by Ian Jukes.)

- Source: https://appshunter.io/ios/app/smarter-budget/id6823151346 (this page in markdown: same URL + `.md`)
- Developer: [Ian Jukes](https://appshunter.io/developer/6802957338)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.0 · 16 MB
- Languages: American English, French (France), German (Germany), Japanese, Brazilian Portuguese, Chinese (Simplified, China), Latin American Spanish, Chinese (Traditional, Taiwan)
- Released: 2026-10-30
- Data updated: 2026-11-07

## What is 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.

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| Unlock Smarter Budget | $29.99 | one-time |


## Is Smarter Budget safe?

Not enough ratings yet to assess Smarter Budget.

## Is Smarter Budget legit?

Smarter Budget has limited verification signals. The AppsHunter Legitimacy Score for Smarter Budget is 58 out of 100 points across 7 verification signals from App Store and developer data.


## Version history (last 4 releases)

### 1.0.3 — 2026-11-04

• Scanned receipts: free lines a store adds (like a member promotion at $0) are left out, so they no longer add an extra envelope to the split.
• Apple Intelligence no longer suggests your savings envelope for things you buy.

### 1.0.2 — 2026-11-03

• Scanned receipts and e-invoices: the store box suggests the payees you use most, and picking one fills in its usual account and envelope. Tap an envelope under Split to change it.
• People who pay you are remembered too: they're suggested next time and listed in the payee filters on Transactions and Reports, so you can see one person's income.
• Income into your savings envelope now stays in that envelope: it shows on the account, on the envelope's screen as Came in, and in Reports as income. You can switch it between savings and Ready to assign when you edit it.
• Reports: the envelope filter now shows for income too.

### 1.0.1 — 2026-11-01

• Pay card: pay your credit card bill from the card or the add screen. It starts with what you owe and, the first time, helps you catch debt from before you started.
• Cut back on this: see where an envelope's money goes, store by store, and what going a little less often would save.
• Monthly spending targets for food and the like: one amount each month, never a bill.
• Living on savings: fill your envelopes from a savings envelope and see how long it lasts.
• Add a transaction from inside an account, split a purchase across envelopes, and set bills that repeat every few days, weeks, months or years.
• iPad: envelopes in the sidebar. Plus fixes, including long month names on Home.

### 1.0 — 2026-10-30

No release notes.

## More apps by Ian Jukes

- [Klik Creator Studio](https://appshunter.io/ios/app/klik-creator-studio/id6802957336)
- [Sentopoly](https://appshunter.io/ios/app/sentopoly/id6818927873)
- [A2B Log](https://appshunter.io/ios/app/a2b-log/id6829375094)

All apps by Ian Jukes: https://appshunter.io/developer/6802957338

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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 2026-11-07.*