Statement Bureau vs Scary Budget

Statement Bureau turns eligible Wallet financial transactions into clean CSV files for your favorite budgeting tool, spreadsheet, or personal archive. On-device. Permission-based. Built for people who already have enough admin. EXPORTS THAT MATCH YOUR TOOLS • Generic CSV for any aggregator that accepts the format. • Monarch-format CSV you can upload with Monarch's CSV import. • YNAB-style CSV mapped to YNAB's expected columns. • Customizable filename templates so files sort the way you want. CHOOSE WHAT GETS EXPORTED • Pick the eligible Wallet card accounts you care about. • Pick this month, last month, this year, or any custom range. • Preview transactions and totals before you commit. • Export a CSV inside any shortcut for free, using a built-in or custom template. Omit dates for the last 30 days, then pass the CSV to Save File, Mail, or another action. ON-DEVICE BY DESIGN • Statement Bureau uses Apple's FinanceKit framework with your permission. • Transactions are processed on your device. • No developer-operated server. No advertising SDKs. No analytics SDKs. • Export through the share sheet: save to Files, mail it, or send it to another app. • Open or share saved CSVs from export history. OPTIONAL: BECOME BUREAU CHIEF Manual export is always free. A one-time in-app purchase adds automation: • Background exports to a folder you choose, your Google Drive, or Dropbox, when iOS allows, usually while charging. Opening the app catches up any missed run. Force-quitting stops background exports until you open the app again. • Google Drive and Google Sheets: keep a CSV, or the Transactions tab of a Google Sheet, up to date in your own Drive. Build pivot tables on your own tabs; the Bureau never touches them. • Dropbox: exports land in Apps/Statement Bureau in your Dropbox. • YNAB and Lunch Money: new and changed transactions go straight into your plan, on the same schedule. Pending charges update when they post. • Choose a target cadence, from about every 6 hours to about every week. • Shortcuts: use Run Statement Bureau exports in a Time of Day personal automation to run enabled destinations at the times you choose, or run one chosen destination. Open the app first to allow Wallet access and select accounts. • First export reaches back: choose 7, 30, 90, 180, or 365 days, or all available history. Applies to the first export of each new destination. Later exports add new and changed transactions. Until you choose, accumulating filenames use all available history and dated filenames use 30 days. For YNAB and Lunch Money, all available history means 30 days. • Optional notifications when new or changed transactions are filed (except the first full-history run), and when an automatic export first fails. • Family-shareable. No subscription. No recurring fee. WHO IT'S FOR • YNAB and Lunch Money users who want transactions to arrive on their own. • Monarch users who import CSVs. • Users of any other app that accepts CSV. • Spreadsheet users who'd rather build their own dashboard. • Anyone who wants a personal archive of Wallet transaction history. REQUIREMENTS • iOS 17.4 or later for FinanceKit access. • An Apple Account with eligible Wallet financial data. PRIVACY Statement Bureau accesses Wallet financial data only with your permission and only to generate the CSVs you ask for. We do not sell or share financial data or send it to a developer-operated server. You choose where to save or share exports. If you connect Google Drive, Dropbox, YNAB, or Lunch Money, data goes directly from your iPhone to your own account there. Read the policy at bureau.middleout.dev/privacy. Statement Bureau is independent and is not affiliated with Apple Inc. Apple, Apple Wallet, Apple Card, iCloud, and FinanceKit are trademarks of Apple Inc. Google Drive and Google Sheets are trademarks of Google LLC. Dropbox is a trademark of Dropbox, Inc. Statement Bureau is not affiliated with or endorsed by YNAB or Lunch Money.

Money gets hard to manage when the balance in your account and the life on your calendar stop feeling connected. Scary Budget connects them. It turns the money you have, the money coming in, and the commitments ahead of you into a working cash-flow model for your personal life. What can my money support? That is the question Scary Budget is built around. Add income, bills, subscriptions, transfers, card payments, payment plans, and one-time expenses. Scary Budget turns them into a daily checking forecast, then helps reconcile that forecast against posted activity. One month becomes a reusable model for the weeks ahead. You can inspect each source, correct it, and see how changes flow through the forecast, credit views, and insights. This is the kind of thinking people use to run something with care. Know what is committed. Know what is flexible. Know where the pressure points are before the decision arrives. WHAT SCARY BUDGET MODELS • Checking balance by day See when money comes in, when money leaves, and where the tight days land. • A plan with real timing Model recurring bills, paychecks, transfers, subscriptions, credit card payments, payment plans, one-time expenses, variable amounts, and end dates. • Reconciliation against reality Compare posted bank activity with what you expected. Confirm matches, correct dates or amounts, archive what happened, and keep the forecast current. • Judgment that stays with you Bank data is evidence. Your judgment remains the source of truth. Review the plan, correct the source, and keep the model yours. • Context for unclear charges Optional connected-inbox search can help find the receipt, item, order, service, subscription, or installment behind a confusing bank description. • Credit decisions connected to cash Track card balances, limits, utilization, APR, minimum payments, and payoff strategies alongside the checking forecast those payments affect. • Insights from the same model Explore spending by category, merchant, and month. BUILT FOR REAL FINANCIAL LIFE Scary Budget supports the questions that come up when timing matters. What can I support before payday? What is my lowest balance this month? Can I move this bill? Can I make an extra card payment? What changed since I made the plan? What was that charge? Your spending choices stay yours. Discretionary spending can stay discretionary. Net worth stays optional. Bank connection stays optional. FREE MANUAL MODE Scary Budget works without a bank connection. Manual planning, CSV import, forecasting, reconciliation, credit tools, insights, and export are free to use. OPTIONAL SCARY BUDGET+ Scary Budget+ adds live bank sync and connected-inbox search through a paid subscription. Bank sync reduces repetitive work. It does not replace the plan, and it is not required to understand your money. PRIVATE BY DESIGN Your saved financial plan is encrypted on your device before it is stored. Scary Budget does not sell your personal or financial information and does not show ads. Bank connections are read-only. Connected-inbox search is optional. SUBSCRIPTION DETAILS Scary Budget+ is available as a monthly or annual auto renewing subscription. Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. You can manage them in your App Store account settings. Privacy Policy: scarybudget.com/privacy Terms of Service: scarybudget.com/terms How Scary Budget protects your data: scarybudget.com/security Learn more at scarybudget.com