Updated 2026-09-27
Budgets uses envelope budgeting: every dollar of income is given a job, month by month, and overspending in one category is covered by moving money from another. It works well for manual entry rather than automatic bank tracking.
The budget screen
Categories are grouped (Groceries, Rent, Fun money and so on); each shows what's assigned, what's been spent and what's left. Accounts have a simple register you can add transactions to directly.
Bills and subscriptions
Track a bill or a subscription alongside your budget: a due date, an amount, and an optional link to its login in your Vault. Renewal and "cancel by" reminders arrive before a free trial turns into a charge.
Bringing your data in
Budgets doesn't connect to your bank. Instead, import transactions from a CSV file (with a column-mapping wizard), an OFX/QFX/QBO file most banks can export, or a YNAB or Actual Budget export if you're switching over. Files are parsed on your device and never uploaded.
Reports
See spending by category or payee, income versus expenses, and how your net worth changes over time.
Sharing
Family and Business plans can share a budget with the household or team, so everyone sees the same numbers.
Encryption
Accounts, categories, transactions and notes are end-to-end encrypted on your device before upload. Nothing is shared with a bank or a data aggregator — Budgets has no bank connection to misuse.