YBUD vs Expense Tracker

YBUD is the budget and expense tracker built around your paycheck—not an arbitrary calendar month. Create a weekly, biweekly, twice-monthly, monthly, or custom budget period. Give every dollar a job, see what is left, and know whether you are on pace before the next payday arrives. PLAN EACH PAYCHECK • Build a guided budget with 50/30/20, Essentials First, or your own custom split • Organize money into Needs, Wants, Future, savings, and debt • Set up payment accounts and wallets so your plan matches how you actually spend • Track recurring bills and upcoming expenses • Carry allocations forward with flexible rollover rules TRACK SPENDING YOUR WAY • Add and edit expenses in seconds • Speak an expense and let YBUD turn it into a transaction • Scan a receipt to create a suggested expense • Reuse your saved categories for faster, more consistent tracking • Get 5 voice or receipt captures per month on Free SEE WHERE YOUR MONEY GOES • See what you have spent and what remains in the current period • Check plan health, spending pace, and projected finish • Review cash flow, category budgets, spending activity, and period trends • Compare completed plans and learn from one paycheck to the next GO DEEPER WITH BUDGET PLUS Unlock a clear period review, category trends, spending drivers, and a comparison with your previous plan at the same point in the period. Budget Plus also includes unlimited smart capture, next-period planning, and cloud backup and sync. PRIVATE BY DEFAULT Your plans and transactions live in an on-device database and core budgeting works offline. No account is required to start. When you choose smart capture, only the recording or receipt needed to create your suggestion is securely processed. Cloud backup is optional and requires Budget Plus and Sign in with Apple. MORE USEFUL DETAILS • Light and dark appearance • Multiple currencies • Local JSON data export • Restore purchases and account controls in Settings • No ads and no sale of personal information Whether you call it a paycheck budget, envelope budget, spending plan, or expense tracker, YBUD helps you make the money between paydays feel clear, intentional, and manageable. Download YBUD and make a plan for your next paycheck. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://studio074.dev/apps/ybud/privacyPolicy

Tracking expenses should not feel like another task. This app makes it quick to record your spending, understand where your money is going, and stay on top of your budgets. You can add expenses in the way that feels easiest: • Speak into the mic • Type naturally, like “£12 lunch at Nando’s yesterday” • Take a photo of a receipt • Add it manually The app can automatically detect the amount, category, description, date and other details, so you do not have to fill everything yourself. You can see your spending for the whole month, broken down by day and category. This makes it easier to understand your habits, spot where money is going, and make better decisions. You can also set budgets for different categories and get notified when you are close to going over or have already gone over your limit. There is also an AI chat built in. You can ask questions like: “Where did I spend the most this month?” “Set my food budget to £300” “How much did I spend on coffee last week?” “Show me my recurring expenses” You can manage expenses, budgets, categories and insights using natural language. The app also supports recurring expenses, so things like rent, subscriptions, bills and memberships can be tracked automatically. Main features: • Add expenses by voice • Add expenses using natural language • Scan receipts with your camera • Add expenses manually • Auto-detect amount, date, category and description • View monthly spending by day • See spending by category • Set budgets • Get budget overage notifications • Track recurring expenses • Ask AI questions about your money • Manage expenses and budgets through AI chat A simple, AI-first expense tracker for people who want to know where their money is going without spending too much time tracking it.