Budget. vs BudgetingBuddi

Budget. is a no-nonsense personal finance app that puts you in control of your money — without subscriptions, without cloud accounts, and without sending your data anywhere. Your money stays on your phone. Always. Everything is stored locally on your device. No account required. No server. No tracking. Just you and your finances. TRACK EVERY FRANC Add income and expenses in seconds. Your balance updates instantly. See exactly what came in, what went out, and what's left — all in one place. KNOW WHAT'S SAFE TO SPEND Budget. calculates your safe-to-spend amount by factoring in upcoming recurring bills, savings goals, scheduled debt payments, and provisions. No more guessing. RECURRING TRANSACTIONS Set up monthly or weekly schedules for rent, salary, subscriptions, and more. Budget. tracks which ones are paid, which are pending, and which are coming up — right on the dashboard. SAVINGS GOALS Create goals for anything — a holiday, a new car, an emergency fund. Contribute each month and watch your progress build. PROVISIONS Set aside money each month for quarterly or annual bills like insurance or taxes. When the bill arrives, the money is already waiting. DEBTS & LOANS Track what you owe and what you're owed. Set repayment schedules, record payments, and see the remaining balance at a glance. NET WORTH Add your assets and liabilities for a full picture of your financial health. Savings goals and debts are included automatically. BUDGET LIMITS Set monthly spending caps per category and get visual warnings when you're approaching or over the limit. ENCRYPTED BACKUP Export an AES-256 encrypted backup of all your data to Files, iCloud Drive, or anywhere you choose. Restore it anytime with your PIN. Your data never touches a server. BEAUTIFUL THEMES 8 carefully designed colour themes including Midnight, Dawn, Arctic, and more. Budget. is built for people who want a clear, honest view of their finances — without the complexity of spreadsheets or the privacy concerns of cloud-based apps. No subscription. No account. No nonsense.

Budgeting that works the way you actually think about money. Set one budget amount at whatever scale makes sense to you — $600 a month, $40 a day, $7,200 a year — and every other scale is derived from it. Switch between day, week, month, and year, and every figure on screen follows. OVERVIEW What you've spent against what you planned, for the period you're looking at. Every category gets a meter, a remaining figure, and a plain status: on track, close to budget, or over. CALENDAR A month of daily spending as a heatmap. Darker days are heavier days. Tap any day to read its figure — and every number is listed in plain text beneath the grid, so the colour is never the only thing carrying the value. TRENDS Spending across recent periods, your biggest movers period over period, and outlier detection that flags a category when it drifts more than two standard deviations from its own recent history. It tells you the sample size behind each call, so you know how much to trust it. ONE-OFF EXCEPTIONS December groceries aren't September groceries. Set a different amount for a single period and the weeks and days inside it scale to match. YOUR CATEGORIES, YOUR NUMBERS The app starts with an empty list. It never invents categories, never guesses at what you spent, and never asks to connect to your bank. PRIVATE BY DESIGN There is no account to create and no server of ours to sign in to. Your budget lives on your device and syncs through your own private iCloud, keyed to the Apple ID you already use. No ads, no trackers, no third-party analytics. The app makes no network requests of its own and works fully offline. Built for iPhone and iPad.