udikoo

udikoo is a simple money planner for anyone who wants a clear answer to one question: what's actually safe to spend right now? Log your income and expenses, set up recurring bills, and set aside percentages for taxes, savings, or anything else — udikoo does the math and shows you what's left. Built for privacy from the ground up: - Your data is encrypted on your device and never leaves it unless you choose to export it - No account or sign-up required - No ads, no analytics, no tracking of any kind - Optional Face ID / Touch ID lock for extra protection Features: - Income and expense tracking with a searchable history - Recurring bills automatically reserved from your Safe to Spend total - Custom allocation buckets (Taxes, Savings, Investing, or your own categories) - "What if I spend...?" calculator to check a purchase before you make it - Multiple accounts to keep separate books — personal, business, or anything else (udikoo Pro) - CSV export and full JSON backup, shareable however you like - Support for any currency - Full support for larger text sizes and accessibility settings