# TYM: Budget & Expense Tracker — Private Money & Spending Log > Private, on-device personal budgeting and expense tracking app. (iPhone/iPad app by Tera Labs LLC.) - Source: https://appshunter.io/ios/app/tym-budget-and-expense-tracker/id6764190754 (this page in markdown: same URL + `.md`) - Developer: [Tera Labs LLC](https://appshunter.io/developer/1895678068) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 2 App Store ratings - Age rating: 4+ - Requires: iOS 18.1 · 20 MB - Languages: American English - Released: 2026-06-16 - Data updated: 2026-09-12 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/tym-budget-and-expense-tracker/id6764190754/reviews.md ## What is TYM? TYM is a personal budgeting app that keeps all your data on your device. You don't create an account or connect a bank. Nothing is stored in the cloud, and every transaction you enter stays on your iPhone, iPad, or Apple Watch. Our App Store privacy label reads "Data Not Collected" because TYM does not send your financial data to any server we operate. What you track is yours alone. TYM works out a daily allowance from your remaining budget, your upcoming bills, and the days until your next income. It then shows a safe-to-spend balance, the money you have available after your committed expenses and goals. You can see what you can spend today instead of guessing from your bank balance. FREE FEATURES - Unlimited transactions for expenses, income, and transfers - Unlimited custom categories with emoji icons - Up to 3 budgets with progress bars - Up to 3 recurring transactions - 365-day transaction history - Daily allowance and safe-to-spend - Budget rule with 2 presets (Classic 50/30/10/10 or Essentials First 60/25/10/5) - Everyday accounts (checking, savings, credit, cash) with balances and basic net worth - 2 insight cards that highlight patterns in your spending - 1 savings goal - On-device AI assistant: 5 messages a day, with unlimited logging and spending search by typing - No-spend day tracking and streaks - Bill reminders - Face ID, Touch ID, or passcode lock - Apple Watch app to view balances and log expenses - Universal app for iPhone and iPad - Read-only Home Screen widget - 3 themes and 3 fonts TYM PRO ($4.99/month or $39.99/year) - Unlimited budgets, recurring transactions, and history - Wealth accounts (investments, retirement, crypto, loans, mortgage) for a full net-worth picture - Unlimited on-device AI assistant. Ask about your money, or describe a purchase in plain language and TYM logs it - All 6 insight cards and 6-month trend charts - Custom budget rule, plus every preset - Unlimited savings goals with progress bars - Budget rollover (optional, off by default) - 12 themes and 10 fonts - Export to CSV and PDF - iCloud sync across your devices - Quick-add Home Screen widget and full Apple Watch - Siri integration ON-DEVICE AI TYM's AI assistant runs on your device using Apple Foundation Models. Your financial data is never sent to a cloud or third-party AI service. It needs an iPhone with Apple Intelligence (iPhone 15 Pro or later) on iOS 26 or later. ABOUT MANUAL ENTRY TYM uses manual entry by design. Logging each transaction takes a few seconds and keeps you aware of your spending. There is no bank sync and no automatic import, so there are no bank credentials to store or protect. ABOUT PRIVACY TYM does not collect or transmit personal or financial data to any server operated by Tera Labs LLC. When iCloud sync is enabled (PRO), your data syncs through your personal iCloud account, managed by Apple under their privacy policy. Tera Labs LLC has no access to your iCloud data. SUBSCRIPTION INFORMATION TYM PRO is an auto-renewable subscription, offered monthly ($4.99) or yearly ($39.99). Payment is charged to your Apple ID at confirmation of purchase. The subscription renews automatically unless turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the end of the period. Manage or cancel anytime in your device Settings under your Apple ID. Family Sharing is supported. Terms of Use (EULA): https://teralabsllc.com/#terms Privacy Policy: https://teralabsllc.com/#privacy ## Key features - On-device data storage for privacy - Manual transaction logging - Daily allowance and safe-to-spend calculation - Customizable categories and budgets - On-device AI assistant - Bill reminders and tracking - Apple Watch app integration ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | TYM PRO | $39.99 | per year | | TYM PRO | $4.99 | per month | ## Frequently asked questions about TYM ### Does TYM have ads? No, TYM does not contain advertisements. The app is free to use with optional premium features available through a subscription. ### How secure is TYM? TYM prioritizes user privacy by storing all financial data locally on the user's device. It does not collect or transmit personal or financial data to any servers, and bank credentials are not required as there is no bank sync. ### What are the differences between the free and PRO versions of TYM? The free version offers unlimited transactions, custom categories, up to 3 budgets, and limited AI assistant messages. TYM PRO unlocks unlimited budgets, recurring transactions, history, advanced AI, more insights, and export options for $4.99/month or $39.99/year. ### Can I sync TYM across multiple Apple devices? Yes, iCloud sync is available with TYM PRO, allowing you to sync your data across your iPhone, iPad, and Apple Watch. Your data syncs through your personal iCloud account, managed by Apple. ### What devices is TYM compatible with? TYM is a universal app compatible with iPhone and iPad. It also features an Apple Watch app for viewing balances and logging expenses, and requires iOS 26 or later for the AI assistant on iPhone 15 Pro or later. ### How often is TYM updated? The latest version of TYM was released on July 8, 2026, indicating active development. Users can expect regular updates to improve functionality and security. ### What is the age rating for TYM? TYM has an age rating of 4+, making it suitable for a wide range of users. This rating suggests the content is appropriate for young children and older audiences. ### Does TYM offer a free trial for PRO features? The provided data does not specify if a free trial is offered for TYM PRO. However, the app does have a robust free tier that allows users to experience core budgeting functionalities. ## Version history (last 5 releases) ### 1.0.4 — 2026-07-08 Small polish and behind-the-scenes improvements to keep TYM fast and reliable. Private by design: no account, no bank login, no ads. Your money stays on your device. Enjoying TYM? A quick rating helps other people find a budgeting app that respects their privacy. ### 1.0.3 — 2026-06-28 TYM now runs on iPhone and iPad with iOS 18.1 or later, so more devices are supported. This update also sharpens the look on iPad, fixes a few display issues, and improves overall stability. The on-device assistant continues to need a device that supports Apple Intelligence on iOS 26 or later. Thanks for using TYM. ### 1.0.2 — 2026-06-23 Added the ability to rate TYM directly from Settings, plus minor improvements. ### 1.0.1 — 2026-06-20 You can now choose a budget rule on the free plan: Classic (50/30/10/10) or Essentials First (60/25/10/5). Essentials First sets aside more for needs, which helps if your fixed bills are high. The free AI assistant now gives you 5 questions a day. Logging expenses and searching your spending by typing stays unlimited. Typing in the assistant no longer returns an error. Also in this version: - Merchants like Uber now go to the right category, and TYM remembers your pick next time. - Typing "set groceries to 400" sets that budget instead of logging a $400 expense. - Pro turns on right after you redeem an offer code. - Fixed iCloud sync across your devices. - Fixed CSV and PDF export so columns stay aligned, and the export filters are no longer hidden. - Spending insights now compare against the same day last month, so early-month numbers read correctly. - Budget alerts are clearer once you spend past your plan. ### 1.0 — 2026-06-17 No release notes. ## Apps similar to TYM | App | Rating | Price | Category | | --- | --- | --- | --- | | [BudgetBox Envelopes](https://appshunter.io/ios/app/budgetbox-envelopes/id6771377892) | — | Free | Finance | | [Tarsave: Peace of Mind Budget](https://appshunter.io/ios/app/tarsave-peace-of-mind-budget/id6785174085) | — | Free | Finance | | [Tap to Tick](https://appshunter.io/ios/app/tap-to-tick/id6791948663) | 5.0 (3) | Free | Finance | | [MoneyLeft: Safe to Spend](https://appshunter.io/ios/app/moneyleft-safe-to-spend/id6766277366) | 5.0 (1) | Free | Finance | | [Lifely: Envelope Budgeting](https://appshunter.io/ios/app/lifely-envelope-budgeting/id6767665663) | — | Free | Finance | | [Tally: Budget & Multi-Currency](https://appshunter.io/ios/app/tally-budget-and-multi-currency/id6774781536) | — | Free | Finance | --- *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 2026-09-12.*