Quiet Budget vs Boring Budget

Budgeting that doesn't shout. Quiet Budget is a calm, manual money tracker, no bank linking, no ads, no notifications nagging you about a $4 coffee. Every transaction goes in by hand, on purpose, so you actually notice where your money's going. The mainstream finance apps want to connect to your bank, parse your accounts, and monetize your data. Quiet Budget does none of that. No bank connections. No ads. No analytics. The app works fully offline with no account at all — your money is your business. WHAT'S INSIDE (FREE) - Manual entry for income, expenses, transfers, and balance adjustments - Multiple accounts — checking, savings, cash, credit cards — all tracked by hand - Category budgets with month-over-month visibility - A "Quiet Money Left" view that tells you what you actually have to spend - Notes on every transaction so you remember why you bought it - Full history with search and filters - CSV export for full data portability - Hide-balances toggle for when you're in public QUIET PLUS (OPTIONAL UPGRADE) - Plan — zero-based budgeting, so every dollar has a job - Save up for big future bills - Savings goals you can actually see progress on - Recurring calendar for payments and subscriptions, so nothing slips through - Trends and deeper insights - Debt payoff tools — watch an extra payment move your debt-free date - Rose theme - Optional account and cloud sync, to keep your budget across devices or share it with a partner Quiet Plus pricing: - Monthly — $2.99 per month - Yearly — $24.99 per year - Lifetime — $69.99, one time Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple Account at confirmation of purchase. Manage or cancel anytime in your Apple Account settings. Lifetime is a one-time purchase and never renews. PRIVACY, FOR REAL Quiet Budget is local-first. With no account, everything stays on your device — nothing is transmitted, and there is nothing for us to collect. There is no advertising, no tracking and no analytics SDK anywhere in the app, on any tier. Only if you choose to turn on the optional account and sync does any of your data leave your device — encrypted in transit and stored in a private space tied to your account. We never sell it, mine it, or advertise against it. You can export everything, or delete your account and its synced copy, at any time from inside the app. WHO IT'S FOR People who tried YNAB, Mint, Monarch, or Copilot and bounced off the complexity or the bank-linking requirement. People who want to be intentional with money without being surveilled. People who like the friction of writing things down because it makes them think. Built solo in Edmonton, Alberta by Echo House Labs. Privacy Policy: https://echohouselabs.com/privacy Terms of Use: https://echohouselabs.com/terms

Boring Budget makes budgeting simple by putting you in control of every dollar. Create budget envelopes for your spending categories — groceries, rent, dining, savings — and see exactly where your money goes. Connect your bank accounts securely via Plaid or add transactions manually, then assign them to your envelopes in seconds. FEATURES • Envelope budgeting — allocate every dollar into named budget envelopes • Bank sync — connect checking, savings, credit, and investment accounts via Plaid • Split transactions — divide a single purchase across multiple envelopes • Recurring detection — automatically surfaces subscriptions and recurring charges • Spend & save goals — set targets per envelope and track your progress • Allocation presets — assign transactions to your envelopes in one tap • Reports — visualize spending trends, category breakdowns, and year-over-year comparisons • Transfers — move money between envelopes without changing your total balance • Privacy mode — blur sensitive numbers when others are nearby • Dark mode — full dark theme support • Secure — your bank credentials are never stored; all connections use Plaid's bank-grade encryption New to budgeting? The interactive demo walks you through the full app with sample data before you connect anything real. Boring Budget syncs across web and mobile — your envelopes, transactions, and goals stay up to date everywhere.