Plut vs BudgetingBuddi

Plut is a simple, private way to plan monthly spending, record everyday transactions, organize trip budgets, remember recurring bills, and keep track of shared costs. Build a budget that fits your life, see exactly how much remains, and understand where your money is going without unnecessary complexity. Switch between Budget, Spent, and Track views to compare your plan with real spending. In Track, each category fills toward its budget and clearly shows when spending goes over. Add expenses manually, bring transactions in from a CSV file, or jump into a new expense from the Home Screen widget or Add Expense Shortcut. Plan a trip with its dates and budget, then see its travel expenses together while the budget flows into the month you choose. When you cover a shared expense, add or select friends as you enter it, assign what each person owes, and record partial or full paybacks as they happen. Business purchases can be kept visible without reducing your personal budget. Features: - Create monthly budgets with flexible spending categories - Record expenses, refunds, and income with an amount, date, and optional note - Schedule weekly, biweekly, monthly, or yearly recurring expenses - See upcoming bills below your expense summary and mark them paid or skip an occurrence - Optionally add recurring expenses automatically when they are due - See your remaining budget and category spending at a glance - Compare Budget, Spent, and Track views with interactive category charts - Tap Needs, Wants, or Savings to explore its categories - Press and hold chart sections for budget, spending, and transaction details - Choose a complementary chart palette and light, dark, or system appearance - Recognize common categories quickly with clear icons - Plan trips with a date calendar, dedicated budget, and category breakdown - Assign each trip budget and its expenses to the month you choose - Split expenses while counting only the amount you cover toward your budget - Add friends directly while entering a shared expense - Track outstanding friend balances and individual shared expenses - Record partial or full repayments - Separate business expenses into transportation, housing, and other spending - Import transactions from CSV with column mapping and a review screen - Start a new expense from a Home Screen widget, Siri, or the Shortcuts app - Review spending trends across multiple months - Move quickly between months with a simple calendar - Export and import backups whenever you choose Your budget data is stored in Plut’s private storage on your iPhone. No account is required, and Plut does not send your financial records to us. Plut is designed for personal budgeting and expense tracking. It does not provide financial, investment, tax, or legal advice.

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.