WithinBudget is a fast, private personal finance tracker for real-life spending: shared family budgets, travel, 33+ currencies, recurring costs, savings goals, and cash flow.
Use it as a money tracker, spending tracker, income tracker, account tracker, and simple budget planner for daily purchases, income streams, bills, refunds, subscriptions, and travel spending. Log spending in seconds: tap a category, enter the amount, and save. Smart defaults, quick account switching, category presets, and a calculator-style amount input keep manual tracking fast enough to become a habit.
SHORTCUTS FOR SPENDING CAPTURE
Create an iOS Shortcut for spending capture, then review, categorize, and confirm later. It gives you automatic spending capture for phone payments.
BUD, A GENTLE HABIT COMPANION
Bud is a friendly mascot for low-pressure money routines, designed with ADHD, distractible, and neurodivergent users in mind. When you keep a logging streak, Bud's cheeks fill up; after skipped days, they simply return to normal. No shame, no punishment. Just positive reinforcement for tracking that feels light, quick, and forgiving.
BUILT FOR MULTI-CURRENCY LIFE
Use WithinBudget as a multi currency expense tracker for 33+ currencies. Earn in one currency, spend in another, and view your dashboard in the currency that makes sense today. Automatic conversion and the built-in currency converter help with travel spending, expat money tracking, international households, digital nomad finances, and mixed-currency accounts.
SHARED HOUSEHOLDS WITH PRIVACY
Manage a family budget, couples budget, partner budget, roommate budget, or shared household finances while keeping personal transactions private when needed. Private spending still affects totals without revealing the details to other members. Shared accounts, private accounts, payees, and category totals help everyone see the same picture without oversharing.
OFFLINE-FIRST AND PRIVATE
WithinBudget works as an offline spending tracker with local storage. No bank login. No bank sync. No bank connection required. Full data export. Plus adds private online backup so your data is protected while the offline experience stays intact. This helps privacy-conscious budgeting, manual money management, and users who do not trust delayed or duplicated bank imports.
BUDGETS, GOALS, AND PLANNING
Use WithinBudget as a budget planner for groceries, travel, entertainment, household spending, or long-term funds. Link transactions automatically by category, track progress in real time, and review historical outcomes.
Set savings goals for anything: an emergency fund, vacation, new device, home project, debt payoff, or family milestone. Goals stay independent of accounts, so one savings account can support multiple plans.
SUBSCRIPTIONS, TRIALS, AND REFUNDS
Plus includes subscription tracking for recurring payments, trial endings, upcoming charges, and bills. Track monthly subscriptions, yearly renewals, planned payments, and recurring expenses in one place. Mark expected refunds and keep them visible in planned money flow.
CATEGORIES, TAGS, AND REPORTS
Start with 24 categories and 176 subcategories. Add tags for cross-category tracking such as vehicles, projects, clients, trips, tax-related spending, hobbies, or side income. Filter transactions by account, currency, category, subcategory, tag, payee, note, or date range.
See income vs expenses, cash flow, net worth, account balances, monthly summaries, planned vs actual spending, category breakdowns, and historical budget results.
FREE TO START
The free tier includes 4 accounts, 2 income streams, 1 budget, 1 goal, all core categories, local storage, data export, and the currency converter.
PLUS FOR MORE
Plus adds unlimited accounts, unlimited income streams, unlimited budgets and goals, subscription tracking, family sharing, and private online backup.
Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
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