# Tim: Time is Money — Tracking Finances at a glance

> Home screen finance tracker for cash, debt, and monthly budget. (iPhone/iPad app by De la Cruz Consulting LLC.)

- Source: https://appshunter.io/ios/app/tim-time-is-money/id6747836371 (this page in markdown: same URL + `.md`)
- Developer: [De la Cruz Consulting LLC](https://appshunter.io/developer/1769242955)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 5.00/5 from 5 App Store ratings · 4 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.2 · 91 MB
- Languages: American English
- Released: 2025-07-17
- Data updated: 2026-09-07
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/tim-time-is-money/id6747836371/reviews.md

## What is Tim?

Your money is scattered across bank apps, credit cards, and login screens. Tim puts three numbers on your home screen: what you have, what you owe, and what's left to spend this month.

ONE APP. THREE NUMBERS. THAT’S IT.

  - Cash — total across your accounts
  - Debt — total across cards and loans
  - Budget — what's left this month, and how many days to go

Set your own budget or let Tim estimate based on your last 30 days. Either way, one glance tells you where you stand.

FEEL YOUR SPENDING

Digital payments are invisible. You tap, it's gone, you forget. Tim sends alerts when you spend — so purchases feel real , like handing over cash.

NOT JUST ANOTHER BUDGETING APP

No spreadsheets. No pie charts. No "you spent 34% more on dining out." Just the numbers that matter, visible on your home screen without opening anything.

SECURE CONNECTION

Connect through Plaid — the same service behind Venmo, Robinhood, and other major banking apps. Bank-level encryption, read-only access. Tim sees your balances but can never move money.

PRICING: $2.99/MONTH

  - 7-day free trial with full access
  - Unlimited bank connections
  - Real-time spending alerts
  - Automatic widget updates

Payment charged after trial. Auto-renews unless cancelled 24 hours before period ends. Manage in Account Settings.

Privacy: https://afdelacruz.github.io/Tim/docs/privacy-policy.html 

Terms: https://afdelacruz.github.io/Tim/docs/terms-of-service.html

## Key features

- Home screen widgets for cash, debt, and budget
- Real-time spending alerts
- Budget estimation based on past spending
- Secure connection via Plaid
- Bank-level encryption
- Read-only access to financial data

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Tim Premium | $2.99 | per month |
| Tim Premium Annual | $29.99 | per year |


## Recent user reviews (4 of 4)

All indexed reviews: https://appshunter.io/ios/app/tim-time-is-money/id6747836371/reviews.md

### 5/5 — Simple and intuitive

*2026-03-26*

all budgeting apps feel like home work. Tim is so simple and just gave me awareness! It’s already helped me save hundreds of dollars a month. Love the app!

### 5/5 — Better than Mint/YNAB

*2026-03-22*

I work in investment research, am active on several personal finance subreddits, and have 
used all the major budgeting apps over the last 10 years, including Mint (too simple) and YNAB (too many knobs). 

I tried Tim this week and am impressed. 

What stands out most: Thoughtful interface exposes only what you need. Smooth onboarding (“it just works”). Also, seems like there’s some real sophisticated forecasting under the hood. 

Worth trying!

### 5/5 — Money saver!

*2026-02-12*

Just started using this and already love it! Super easy way to track my monthly budget. Now I know when I should save and when I can splurge. No more guessing!

### 5/5 — Love this app

*2026-02-12*

This is such an easy way to get a big picture of your finances and watch your spending in a low effort way. It’s great and helps me save more month to month!

## Frequently asked questions about Tim

### What is Tim: Time is Money?

Tim: Time is Money is a finance app that displays your total cash, debt, and remaining monthly budget on your home screen. It aims to provide a clear, at-a-glance understanding of your financial situation.

### How does Tim: Time is Money connect to my bank accounts?

The app uses Plaid, a secure service also used by major banking apps, for a read-only connection to your financial accounts. This ensures your bank-level encryption is maintained and Tim can never move your money.

### What are the pricing details for Tim: Time is Money?

Tim: Time is Money offers a subscription model. You can choose between a monthly plan at $2.99 or an annual plan at $29.99. Both plans include a free trial period.

### Does Tim: Time is Money offer a free trial?

Yes, Tim: Time is Money provides a 7-day free trial with full access to all features. This allows you to experience the app before committing to a subscription.

### How does Tim: Time is Money handle my financial data security?

The app utilizes bank-level encryption and connects through Plaid, offering read-only access to your financial data. This means Tim can view your balances but is unable to initiate any transactions.

### Can I cancel my Tim: Time is Money subscription?

Yes, you can cancel your subscription at any time. To avoid being charged for the next billing period, ensure you cancel at least 24 hours before the current period ends. You can manage your subscription in your Account Settings.

### What devices does Tim: Time is Money support?

Currently, Tim: Time is Money is supported on iPhone devices. The app is designed to leverage home screen widget functionality for quick financial insights.

### How often is Tim: Time is Money updated?

The app was last updated on March 18, 2026, with version 1.12. This indicates a commitment to ongoing development and improvements for users.

## Version history (last 5 releases)

### 1.12 — 2026-03-18

UI Updates for budgeting, onboarding and swipe to refresh!

### 1.11 — 2026-02-27

We redid the mascot and improved the design!
Along with some UI fixes

### 1.10 — 2026-02-12

Budget Feature Summary:
  - Set a monthly spending budget (or let Tim estimate from your last 30 days)
  - Widget shows how much is left and days remaining in the month
  - Automatically excludes income, transfers, and loan payments from the calculation
  - Color-coded: green when under budget, red when over

### 1.9 — 2026-02-03

UI Improvements and simplified onboarding!

### 1.8 — 2026-01-08

New UI on the Home Screen and adding a annual subscription

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| [Splash - Trading Wallet](https://appshunter.io/ios/app/splash-trading-wallet/id6746621525) | 5.0 (9) | Free | Finance |
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## More apps by De la Cruz Consulting LLC

- [SwitchFlip Co](https://appshunter.io/ios/app/switchflip-co/id6714455044)

All apps by De la Cruz Consulting LLC: https://appshunter.io/developer/1769242955

## Related topics

[glance time](https://appshunter.io/ios/topics/glance-time)

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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 2026-09-07.*