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ucm – Smart Budget & Finance

ucm – Smart Budget & Finance

Budgets, Goals & Net Worth

0 ratings
7 reviews
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

Released
May 10, 2026
Updated
November 2, 2026

Features

Developer

Thomas SantAnna Crosara Teixeira
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🧾$4.99
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About

This personal finance app helps you understand your money without connecting to your bank. Track spending, set budgets, monitor savings goals, and calculate your net worth. It provides actionable insights and a financial health score to guide your financial decisions.

✓Financial health score
✓Weekly actionable insights
✓Real hourly wage calculation
✓Real-time budget tracking
✓Instant receipt scanning
✓Savings goal management
✓Subscription audit
Show original description

What's New in ucm

1.19

November 2, 2026

"Time is money." — Benjamin Franklin ucm 1.19 keeps your cards and your car in step with real life. • New car, same history. Switching cars? Turn on "New car" on the first reading. Distance and cost per km start fresh for the new car. • Pay from the right account. Pick a "Pay from" account for each card, and paying a statement fills it in for you. • Faster Face ID. With the Face ID lock on, ucm asks for Face ID the moment it opens, just once. • One set of numbers. The weekly card tip now shows the same statement and due date as the card banner. • Quick Add on iPhone Duo. Unfolded, the form sits on one side and the keypad on the other. • Commas in Portuguese. The keypad and every decimal now use a comma. Some of this came from people who took the time to write. Thank you. No account, no ads, no tracking — your data stays in your own iCloud. Questions or ideas? developer@thothi.com.br

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Subscriptions & In-App Purchases

$4.99

ucm Pro

Unlock goals, insights, net worth, cards & audit.

User reviews

Most RecentHighest RatedLowest Rated

Helder

Excelente
HCHelder Crosara

Response from developer

Muito obrigado pela avaliação, Fico feliz que a experiência esteja sendo simples e direta — esse era exatamente o objetivo. Se em algum momento sentir falta de alguma funcionalidade, é só mandar pelo suporte. 🙌

Excelente app

Super recomendo, tem tudo para um controle completo financeiro.
MMcrosara

Response from developer

Obrigado pela recomendação! Manter o app simples e direto foi uma decisão consciente desde o início, então fico muito feliz em saber que a experiência tem sido essa para você. Novas melhorias a caminho nas próximas versões.

Excelente app

Muito fácil de usar, registrar despesas e receitas. Recomendo demais!!!
TCThiago Crosara

Espetacular

Baixei, achei super simples de usar. Recomendo.
MMcrosara

Response from developer

Obrigado pela recomendação! Manter o app simples e direto foi uma decisão consciente desde o início, então fico muito feliz em saber que a experiência tem sido essa para você. Novas melhorias a caminho nas próximas versões.

Sensacional

Mt fácil de usar
TThoThi2011

Response from developer

Muito obrigado pela avaliação, Fico feliz que a experiência esteja sendo simples e direta — esse era exatamente o objetivo. Se em algum momento sentir falta de alguma funcionalidade, é só mandar pelo suporte. 🙌

See 2 more reviews

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FAQ

Does ucm require a bank connection?

No, ucm is designed to work without connecting to your bank accounts. All financial data is entered manually or via receipt scanning.

What is the financial health score in ucm?

The financial health score is a 0-100 rating based on five key signals: runway, savings rate, fixed-cost ratio, debt load, and budget streak, providing a clear overview of your financial standing.

How does ucm help with budgeting?

ucm allows you to set monthly budgets by category and tracks your spending in real-time. It also includes built-in 50/30/20 budgeting guardrails for easy comparison.

Can I track savings goals with ucm?

Yes, you can create and track progress towards various savings goals, such as an emergency fund or vacation, by setting targets and logging contributions.

Does ucm offer a subscription audit?

Yes, ucm provides a subscription audit that lists all your recurring subscriptions, their monthly costs, and alerts you if a charge no longer matches its expected price.

What devices does ucm support?

ucm is available on iPhone and iPad devices, as indicated by its platform compatibility.

How often is ucm updated?

The latest version, 1.19, was released on November 2, 2026, suggesting a consistent update schedule for the application.

Can I export my data from ucm?

Yes, ucm allows you to export your transactions in standard or QuickBooks-compatible CSV formats, which can be useful for taxes or further spreadsheet analysis.