# ucm – Smart Budget & Finance — Budgets, Goals & Net Worth

> Personal finance app for budgeting, goals, and net worth tracking without bank connections. (iPhone/iPad app by Thomas SantAnna Crosara Teixeira.)

- Source: https://appshunter.io/ios/app/ucm-smart-budget-and-finance/id6765532626 (this page in markdown: same URL + `.md`)
- Developer: [Thomas SantAnna Crosara Teixeira](https://appshunter.io/developer/1895982819)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Age rating: 4+
- Requires: iOS 26.2 · 12 MB
- Languages: American English, Brazilian Portuguese
- Released: 2026-05-10
- Data updated: 2026-09-07
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/ucm-smart-budget-and-finance/id6765532626/reviews.md

## What is ucm?

ucm — Smart Budget & Finance

Take control of your money in minutes. No bank connection. No subscription. No complexity.

ucm is a personal finance app built for people who want clarity without compromise — track spending, set budgets, understand your financial health, and know your net worth, all from one beautifully simple app.

FINANCIAL HEALTH SCORE
Get a single 0–100 score that tells you exactly where you stand. Built from five real signals: runway, savings rate, fixed-cost ratio, debt load, and budget streak. No guessing — just clarity.

YOUR WEEKLY MOVE
Every week, ucm surfaces the one thing you should focus on. Not a list of warnings — one specific, actionable step based on your actual numbers.

REAL HOURLY WAGE & RUNWAY
See how many months you could live on your current balance — and what every purchase really costs in hours of your life. Two numbers that change how you think about money.

BUDGETS THAT ACTUALLY WORK
Set monthly budgets by category and watch your spending update in real time. The clean, distraction-free interface makes it easy to stay on track every single day.

SCAN RECEIPTS INSTANTLY
Point your camera at any receipt and ucm reads it automatically — extracting the total, merchant, and suggested category.

SAVINGS GOALS
Create goals for anything — emergency fund, vacation, new gear. Set a target, add contributions, and track progress visually until you get there.

CREDIT CARDS & INSTALLMENT PLANS
Track multiple cards with their exact billing cycles. Split purchases into monthly installments and ucm schedules every charge automatically — so you always know what's coming.

RECURRING TRANSACTIONS
Set up bills, subscriptions, and recurring income. ucm keeps track automatically so nothing slips through.

50/30/20 GUARDRAILS
The proven budgeting rule built right in. See instantly how your spending compares to the 50% needs / 30% wants / 20% savings benchmark.

SPLIT TRANSACTIONS
Split any expense across multiple categories in one tap. Perfect for grocery runs that mix food, household, and personal items.
Move money between accounts without skewing your totals, and track every credit-card statement — paid, due, or overdue — in one place.

MONTHLY REVIEWS
End each month with a full picture — total spending, top categories, savings rate, and a comparison to last month.

NET WORTH TRACKER
Log assets and liabilities to see your true net worth over time. Know exactly where you stand financially.

CSV EXPORT
Export transactions in standard or QuickBooks-compatible format — ready for taxes, accountants, or your own spreadsheets.

PRIVATE BY DESIGN
Your data lives on your device and syncs privately via iCloud. No account required. No ads. No data selling. Works fully offline.

ucm Pro — One-Time Unlock
One purchase unlocks every Pro feature, forever. No subscription, no recurring fees. Includes Family Sharing across all your Apple devices.

Download ucm and start your first budget in under two minutes.

## Key features

- Financial health score
- Weekly actionable insights
- Real hourly wage calculation
- Real-time budget tracking
- Instant receipt scanning
- Savings goal management
- Net worth tracking

## Pricing and in-app purchases

Base price: Free.

**One-time purchases**

| Purchase | Price | Type |
| --- | --- | --- |
| ucm Pro | $4.99 | one-time |


## Recent user reviews (7 of 7)

All indexed reviews: https://appshunter.io/ios/app/ucm-smart-budget-and-finance/id6765532626/reviews.md

### 5/5 — Helder

*2026-08-31*

Excelente

**Developer response:** 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. 🙌

### 5/5 — Excelente app

*2026-06-07*

Super recomendo, tem tudo para um controle completo financeiro.

**Developer response:** 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.

### 5/5 — Excelente app

*2026-05-18*

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

### 5/5 — Espetacular

*2026-05-16*

Baixei, achei super simples de usar. Recomendo.

**Developer response:** 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.

### 5/5 — Sensacional

*2026-05-14*

Mt fácil de usar

**Developer response:** 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. 🙌

### 5/5 — Finally a budget app that makes managing money feel easy!

*2026-05-14*

I’ve tried a few budgeting apps before, but this one is by far the most user-friendly and intuitive. Everything is laid out in a way that actually makes sense, making it super easy to track expenses, stay on top of budgets, and understand where my money is going without feeling overwhelmed.

What I love most is how simple they make something that can feel really complicated. Managing finances can be stressful, but this app turns it into something approachable and easy to maintain day-to-day. The features are thoughtful and practical - from tracking spending to organizing categories and keeping everything clear at a glance.

If you’ve struggled with budgeting apps in the past or felt intimidated by personal finance, I highly recommend giving this one a try.

**Developer response:** Thank you for such a detailed review. The goal from day one was to take something that often feels stressful and make it feel manageable at a glance, so it means a lot to hear that the layout, categories, and overall flow are working that way for you. Plenty more improvements planned for upcoming releases — thank you for being part of the journey.

### 5/5 — Excelente app

*2026-05-11*

Tem tudo o que preciso para acompanhar meus gastos. Sensacional

**Developer response:** Valeu demais, Thiago! Fico muito feliz em saber que o app está cobrindo tudo que você precisa para acompanhar os gastos. Qualquer sugestão ou ideia que aparecer, me avisa — feedback de quem usa no dia a dia é o que ajuda a melhorar. Abraço! 🙌

## Frequently asked questions about ucm

### Does ucm have ads?

No, ucm is designed to be private and ad-free. The app explicitly states 'No ads' and works fully offline, ensuring a distraction-free experience for users.

### What is the pricing for ucm Pro?

ucm Pro is available as a one-time unlock purchase. This means you pay once to access all Pro features forever, with no subscription or recurring fees. It also supports Family Sharing across Apple devices.

### How secure is my financial data with ucm?

ucm is private by design. Your data lives on your device and syncs privately via iCloud. No account is required, and the app does not sell your data, ensuring a high level of privacy and security.

### Does ucm require a bank connection?

No, ucm does not require any bank connections. It is built for users who want clarity without compromise, allowing them to track spending and manage finances manually or via receipt scanning.

### What devices does ucm support?

ucm is available for iPhone and iPad. The app supports Family Sharing, allowing access across all your Apple devices with a single purchase of ucm Pro.

### How often is ucm updated?

The latest version of ucm is 1.6, and it was last updated on June 14, 2026. This indicates a relatively active development cycle for the application.

### Can I export my data from ucm?

Yes, ucm offers CSV export functionality. You can export your transactions in a standard format or a QuickBooks-compatible format, which is useful for taxes, accountants, or personal spreadsheets.

### What is the age rating for ucm?

ucm has an age rating of 4+. This suggests that the app's content and interface are suitable for a wide range of users, including younger individuals who are learning about personal finance.

## Version history (last 5 releases)

### 1.15 — 2026-08-31

Card spending now shows up everywhere it's counted.

If you pay with a credit card, a few screens were leaving those charges out. Tapping a category in Budget could show a total with an empty list under it, and History could look empty even with a month of charges logged. Both are fixed.

• Tap a charge to open it. On a card statement, on the "what's due" banner, and now in Insights too — you land straight on the entry, so you can check or fix it right where you found it.
• Statements tell charges apart. Each line shows its note and date, so two charges in the same category are no longer the same line twice. Long statements show the recent ones with "See all" for the rest.
• Your balance chart uses the history you already have, instead of waiting two more month-ends to appear.
• Setting up a card is clearer. The closing day and the due date are easier to tell apart, and you can see the two real dates your settings produce.
• Typing amounts like 1.234,56 now works when setting an account's starting balance and when reconciling.
• Also: your settings survive an iCloud duplicate, archived accounts count in your Health Score again, and renaming a category can no longer quietly merge two budgets into one.

Thanks for using ucm. Questions, bugs, or ideas? We'd love to hear from you — developer@thothi.com.br.

### 1.14 — 2026-08-14

This update makes recurring bills impossible to misread — and fixes a sneaky duplicate.

• Recurring bills: the date is now "First charge", highlighted in orange when it would charge today — so a bill meant for the 17th never debits early by surprise.
• No more duplicate charges: a fast double-tap on Save or an iCloud sync hiccup can no longer create the same recurring charge twice.
• ucm now always opens on the current month, on every tab — no more balances from a month you browsed last week.

Thank you for using ucm! Questions or ideas? We read everything: support@thothi.com.br

### 1.13 — 2026-08-12

Small fixes, right where you feel them.

• Scheduled transfers — and any post-dated entry — now land first thing in the morning, instead of at the time of day you happened to create them.
• Amounts now match your chosen app-language formatting.

Thanks for using ucm. Questions, bugs, or ideas? We'd love to hear from you — support@thothi.com.br.

### 1.12 — 2026-08-09

Set a transfer now, let it happen later.

Give any transfer a future date and it lands in a new Upcoming transfers list on Manage Accounts — you'll see it waiting there until the day it moves, and it's one swipe away from cancelling if you change your mind.

Plus a handful of small fixes and polish.

Thanks for using ucm. Questions, bugs, or ideas? We'd love to hear from you — support@thothi.com.br

### 1.11 — 2026-07-30

The little things you feel every day.

• Future-dated transfers finally make sense. Give a transfer a later date and ucm confirms it's scheduled — then shows it in History until the day the money actually moves. No more wondering if it saved.
• Tap anywhere on a row to open it — the whole row, not just the little arrow. Accounts, cards, mileage, settings.
• A lighter, flatter header across the app.

Plus a round of quiet fixes and polish.

## More apps by Thomas SantAnna Crosara Teixeira

- [ShowTracker: TV & Movies](https://appshunter.io/ios/app/showtracker-tv-and-movies/id6787734529)

All apps by Thomas SantAnna Crosara Teixeira: https://appshunter.io/developer/1895982819

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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.*