BudgetLoop vs Eluna Budget

See exactly where your money goes this month, and how much is left. BudgetLoop is a monthly budget tracker for iPhone that works completely offline. No account, no sign-up, no bank connection. HOW IT WORKS Set a monthly budget, log income and expenses in a few taps, and watch your remaining budget update instantly. The number you actually need is on the first screen, not three menus deep. CATEGORIES AND LIMITS Rent, groceries, transport, bills, entertainment, dining out, health and other are ready to use. Add unlimited custom categories with their own icon and colour. Give any category its own monthly limit. The progress bar switches to a warning colour at 90% and above. CHARTS THAT MAKE SENSE - Daily spending bars for the current period - Spending by category as a donut chart - A 6-month trend, so you can see whether things are actually improving A MONTH THAT MATCHES YOUR PAYDAY Your budget cycle does not have to start on the 1st. Choose any day from 1 to 28 so the month lines up with when you actually get paid. OFFLINE AND PRIVATE Everything is stored on your iPhone and nowhere else. There is no server, no account, no analytics and no tracking. The app never asks for internet access because it never needs it. That is how it is built, not a promise we are making. ALSO INSIDE - 30+ currencies with correct local formatting - 26 interface languages - OLED dark theme, a light theme, or follow the system - CSV export of every transaction - iPhone, iOS 17 or later PRICING Try everything free for 7 days, no payment details needed. After that, keep BudgetLoop with a one-time purchase you own forever, or choose a yearly plan instead. A subscription is not required. WHAT BUDGETLOOP DOES NOT DO It does not connect to your bank. You enter transactions yourself, in a few seconds. That is deliberate, so nothing gets miscategorised behind your back and no credentials ever leave your hands. Your financial data stays on your iPhone. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://ecomcg90-gif.github.io/budgetloop-site/privacy.html

Eluna Budget keeps every transaction on your phone. No bank login, no account, no subscription, no ads. Nothing to sign up for, and nothing to cancel later. WHY NO BANK CONNECTION An aggregator wants your banking credentials and sells what it learns from them. This app never asks. You type an expense in a couple of seconds, or photograph a receipt, and that stays between you and your device. TWO WAYS TO BUDGET Simple limits: a ceiling per category and how much is left. Or envelopes: give every amount that comes in a job until nothing is unassigned. Both support rollover, and a period that starts on your card's statement day instead of the 1st. SEE WHERE IT IS HEADED Net worth across every account as one trend line. Forecast to the end of the month from your recurring bills and income, with a warning before the balance goes under. Auto-categories from local rules — payee contains Starbucks, category is Coffee. No bank sync, no cloud AI; the rules run here. FAST ENTRY A calculator keypad, repeat-last, long-press a category for its subcategories, and receipt scanning that reads the total from a photo on the device itself. The photo goes nowhere. EVERYTHING A LEDGER NEEDS Accounts, categories, tags, transfers, split transactions, recurring payments, savings goals, debts in both directions, and reconciliation against a paper statement. 63 CURRENCIES Each account in its own currency. Rates refresh once a day if you allow it, or you type them in by hand and nothing is ever fetched. IMPORT INSTEAD OF A BANK LOGIN CSV, OFX and QIF files from your bank, read on this device. The app remembers each bank's column layout so the second import is one tap. YOUR DATA, YOURS TO TAKE Full CSV and JSON export, free and always there. Encrypted backups behind a password, automatic backups on a schedule, and PDF reports for any period. SYNC WITHOUT OUR SERVER We do not run one. Sync goes through your own iCloud, or through a file you control — a shared folder, a network disk. Whoever holds that file sees ciphertext and nothing more. PRIVATE BY CONSTRUCTION The database is encrypted with SQLCipher. Lock the app with a passcode or Face ID. There are no analytics, no crash reporters, no ad networks and no cloud AI anywhere in the dependency tree — not switched off, absent — and you can check that yourself on the licenses screen. The only requests the app can make are exchange rates, and only if you turn them on. FREE Every feature, from the first launch. There is no paid tier, no trial and no watermark. The only thing you can buy is a tip, and it unlocks nothing. ONE HONEST NOTE There is no background sync on iOS: changes travel when you open the app, not while it is closed. Also: 61 languages, nine app icons, and achievements awarded for the habit of writing things down — never for how little you spend.