On-Device Insights. Privacy First.
Budgets For Plans helps you plan, track, and improve your finances with on-device intelligence across iPhone and iPad, while keeping your data in your Apple ecosystem.
Budgets For Plans helps you plan, track, and improve your finances with on-device intelligence across iPhone and iPad, while keeping your data in your Apple ecosystem.
All machine learning happens on your device using Apple's NaturalLanguage framework.
Insights and ML processing stay on-device. Budget data is stored locally and only syncs if you enable iCloud.
We don't collect analytics, track usage, or send telemetry. Your financial data is yours alone.
Optional CloudKit sync uses your private iCloud database. Data is encrypted in transit and at rest by Apple.
NLP, sentiment analysis, anomaly detection, and digest insights run locally on your device.
Start with a clear plan, stay on top of daily spending, and grow into deeper insights when you need them.
Set up plans for annual budgets, projects, or savings targets with billing cadence, currency, and export preferences built in.
Track cash-flow health, detect anomalies, and surface trend changes with in-app insights, goal milestones, and optional smart digests.
On-device machine learning powers auto-tagging suggestions and digest insights—without sending your data to external servers.
Create balance sheets, polished PDFs, and Excel exports with filters and branding for professional sharing.
Sync with iCloud, glance at widgets, and check your plan on Apple Watch. Your data stays in your Apple ecosystem.
Professional multi-window layouts, drag & drop, keyboard shortcuts, and side-by-side workflows that transform iPad into your financial command center.
Log expenses, check your balance, or open a plan with your voice. Siri shortcuts work hands-free and integrate with the Shortcuts app.
Protect budgets with Face ID or Touch ID, on-device intelligence, and diagnostics that keep you in control.
After your plan and entries are in place, on-device ML helps surface patterns and next steps. Your data syncs via iCloud only if you enable it.
Our digest engine analyzes your transactions to detect spending anomalies, identify trends, and assess sentiment—generating confidence-scored recommendations tailored to your patterns.
Natural Language Processing understands transaction descriptions using sentence embeddings (iOS 17+) and semantic similarity—not just keywords.
Sophisticated metrics engine calculates 20+ insight types including spending pace, income volatility, category spikes, and bill coverage ratios.
Weekly or monthly digests with ML-enhanced summaries, automatic headline generation, and trend comparisons based on historical patterns (30-day minimum).
Hands-free budgeting with five built-in voice commands. Works with Siri, the Shortcuts app, and Spotlight suggestions.
"Log expense in Budgets For Plans" — Siri asks for amount, name, and category. If you have one plan, it's selected automatically.
Siri: "Logged $45.00 for Groceries."
"Log income in Budgets For Plans" — same flow as expenses, with the entry marked as income. Category defaults to "Income".
Siri: "Logged $3,500.00 income for Salary."
"Check balance in Budgets For Plans" — hear this month's income, expenses, and net balance.
Siri: "This month in 2025 Budget: $4,200 income, $2,850 expenses. Balance is $1,350. You've used 71% of your budget."
"Am I over budget in Budgets For Plans" — focused answer on budget remaining or overspend.
Siri: "You have $650 left in your 2025 Budget budget. 71% used."
"Open plan in Budgets For Plans" — Siri asks which plan, then opens the app directly to it.
When biometric lock is enabled, Siri shortcuts are blocked until you unlock the app. Your financial data stays secure.
Open the Shortcuts app and search for "Budgets For Plans" to see all five actions. Pre-fill amounts, categories, or plans for one-tap shortcuts.
Pin your most-used shortcut to the Home Screen. A "$5 daily coffee" shortcut logs your expense in a single tap.
Build multi-step shortcuts — log an expense, then check your balance, all in one automation.
Plans you open frequently appear in Spotlight suggestions, so you can jump to them from search.
For iPad-first workflows, Budgets For Plans uses larger-screen layouts and interactions that keep planning fast and focused. Swipe horizontally through the highlights below.
Keep your plans always visible in the sidebar while viewing detailed breakdowns, charts, and entries side-by-side. The persistent sidebar means you're always one tap away from switching plans—no more deep navigation stacks.
In landscape mode, view Expense and Income charts simultaneously, plus a full-width Balance chart below—perfect for presentations or monthly reviews. No more swiping through tabs to compare metrics.
Edit entries without losing your place in the list. The split view shows all entries on the left with live editing on the right—making bulk updates and reviews incredibly efficient.
See your entire month at a glance with color-coded calendar cells. Green shows income days, red shows expense days, and darker colors mean higher amounts. Tap any day to view all transactions.
Reorganize your finances naturally—just drag an entry from the list and drop it onto any plan in the sidebar. The visual drop target highlights as you hover, and the entry moves instantly.
Compare two plans simultaneously by opening them in separate windows. Perfect for reviewing monthly vs yearly budgets, or comparing personal and business finances. Use Stage Manager for the ultimate multi-tasking setup.
Work at the speed of thought with keyboard shortcuts for every major action. Add entries with ⌘N, view all entries with ⌘E, and switch plans with ⌘1-9. Trackpad hover effects highlight cards and rows as you explore.
Settings and Help views use sidebar navigation on iPad, making it easy to explore all options without losing your place. Search help topics, browse categories, and jump between sections instantly.
Side-by-side layouts, persistent sidebars, and keyboard shortcuts eliminate navigation overhead.
3-column layouts and dual charts let you see expenses, income, and trends all at once.
Hover effects, smooth animations, and Apple-native patterns create a polished experience.
Drag & drop, multi-window, and trackpad support make complex tasks feel effortless.
A quick walkthrough from setup to reporting, using real planning workflows.
Sarah wants a clear annual budget, tighter day-to-day tracking, and a vacation goal she can stick to.
She creates a yearly plan with a billing day, working currency, and plan preferences that fit her pay cycle.
Income and expenses are logged with tags, and search keeps her history easy to revisit.
The Insights Feed uses on-device machine learning to analyze her spending patterns, detect anomalies (like expenses 3x above her median), and track progress toward her vacation goal with milestone alerts.
The triple chart carousel and metrics grid show daily position, month-to-date, and projected totals.
She wants balance sheets, branded PDFs, and Excel exports filtered for business spending.
Reporting unlocks balance sheet views that summarize income, expenses, and net position by date range.
She filters by tags and date range to keep reports clean, then exports in PDF or Excel.
ML-powered weekly digests automatically analyze her business spending, generate sentiment-based headlines, and provide confidence-scored recommendations—all processed on-device for complete privacy.
Custom headers and footers keep the PDF aligned with her studio brand before she shares it.
Advanced Tools lets Leo track card aliases, FX entries, and trends across currencies.
Card aliases keep rewards straight without storing sensitive card details, with a due-by-card summary.
He logs travel expenses in local currency and sees automatic conversions plus currency totals.
NLP-powered auto-tagging uses sentence embeddings to categorize expenses automatically—understanding "Uber to airport" and "Lyft ride" are both transportation without manual rules. Trends dashboard shows 3/6/12-month sparklines, and ML digests deliver weekly summaries with sentiment analysis and recommendations.
A freelance consultant who uses iPad as their primary device for client invoicing and expense tracking.
Alex keeps the plan sidebar open while reviewing expenses, charts, and client-specific entries. The 3-column landscape layout shows summary metrics, expense charts, and income trends simultaneously—perfect for weekly reviews.
When expenses get categorized to the wrong client, Alex simply drags entries from the list and drops them onto the correct plan in the sidebar. The visual drop target highlights, making it obvious where the entry will land.
To compare two client budgets side-by-side, Alex right-clicks a plan and selects "Open in New Window." Both plans update in real-time, and Stage Manager keeps the windows organized perfectly.
The calendar heat map shows the entire month with color-coded cells—green for income days, red for expenses. Darker colors indicate higher amounts. Alex can quickly spot irregular spending patterns and tap any day to see all transactions.
He relies on sync, quick views, and secure access for family budgeting.
CloudKit keeps plans aligned across iPhone and iPad, with widgets and Apple Watch snapshots for quick checks.
CSV imports bring in historical data, and archived plans keep the active list focused.
Biometric lock and the diagnostics center provide secure access and visibility into sync health.
Once your core workflow is running, these tools help you test decisions and monitor budget health proactively.
Run financial what-if analyses without modifying your real budget data. Create scenarios to test changes like salary increases, rent adjustments, or one-time expenses before they happen.
Create Scenario: Sarah creates a new scenario called "Rent +$200" to model an upcoming rent increase.
Add Modifier: She adds an "Adjust Expense Amount" modifier with +$200/month to simulate the rent increase.
Calculate & Review: She taps "Calculate" and sees the side-by-side comparison showing baseline vs modified expenses, income, net position, and goal progress.
Adjust Strategy: Seeing the impact, she adds another modifier to reduce dining spending by 15% to stay on track with her savings goal.
Change all income by percentage
Fixed change to total income
Change all expenses by percentage
Fixed change to total expenses
Single income entry on specific date
Single expense entry on specific date
Move target date forward or back
Pause or resume recurring series
Change specific tag/category
Automated health assessments in weekly or monthly Smart Digests that help you identify risks early and stay on track with your financial plans.
You're on track with healthy spending patterns. Continue monitoring to maintain this status.
Monitor spending closely to avoid exceeding your budget. Consider reducing discretionary spending.
Immediate action needed to reduce spending. Review category risks and cut non-essential expenses.
Budget health summaries automatically identify your top 3 at-risk spending categories based on:
This helps you focus on the specific areas where you can make the biggest impact on your overall budget health.
On pace to meet target date OR already 100% complete
Behind required pace OR overdue past target date
Requires Advanced Tools tier subscription
Smart Digests must be enabled in plan settings (weekly or monthly)
Budget health requires a plan budget limit to be set in Insights settings
Goal health appears for all active goals with target dates
Summaries are calculated fresh in each digest notification
Everything in the app, grouped by workflow and upgrade path.
Create unlimited plans with a single currency, billing cadence, and export preferences.
Log income and expenses with tags, notes, and dates for easy filtering.
Swipe through expenses, income, and balance charts with a live metrics grid.
Find entries by name, tag, or amount with fast search and sorting.
Import entries when you create plans or pull multiple plans from a folder.
Export plan data to CSV for quick sharing or spreadsheet work.
Choose the working currency per plan for global budgets.
Set card billing dates to track upcoming cycles and coverage.
Archive finished plans and restore them anytime.
Log expenses, add income, check your balance, or open a plan — all by voice. Five built-in Siri shortcuts with natural phrases.
All ML processing happens locally. Your data stays in your Apple ecosystem.
Analyzes transaction history to detect trends, anomalies, and patterns. Generates sentiment-based summaries with confidence-scored recommendations.
Uses Natural Language Processing and sentence embeddings (iOS 17+) to understand transaction descriptions semantically—not just keyword matching.
Automatically flags transactions 3x above your median spending, helping catch errors or unexpected charges immediately.
Spending pace, income volatility, category spikes, no-spend streaks, budget thresholds, bill coverage ratios, and more—all calculated in real-time.
All machine learning runs entirely on your device using Apple's NaturalLanguage framework. No cloud processing, no data collection, no analytics.
Get alerts when you are at risk of running short before paychecks or bills.
Track targets, milestone progress, and budget thresholds by category.
See changes in spending, income, and savings with actionable insights.
20+ insight types including spending pace, income volatility, category spikes, bill coverage ratios, and risk assessment.
ML-powered alerts when transactions exceed 3x your median spending, helping catch errors or unexpected charges.
Summaries for income, expenses, and net position by date range.
Export professional reports with detailed entries and charts.
Add header and footer images for branded reports.
Filter by date range or tag to export only what you need.
Track spend by card without storing sensitive card details.
Create repeating bills with edit-all-future control.
Paste multiple entries at once with smart parsing and tagging.
Log in another currency and view totals by currency.
Machine learning-powered categorization using sentence embeddings and semantic similarity (iOS 17+). Supports exact match, contains, starts/ends with, and regex patterns—with confidence scoring and amount-based filtering.
Track recent months with sparklines for income, net, and savings rate across 3/6/12-month periods.
Comprehensive notification system for budgets, card bills, recurring payments, and goal milestones. Weekly/monthly digests feature ML-generated headlines, sentiment analysis, anomaly detection, and confidence-scored recommendations—all processed on-device.
Enable Face ID or Touch ID for secure app access.
Review sync warnings and data validation messages in Settings.
Sync budgets across iPhone and iPad automatically.
Check plan snapshots on your wrist.
See current position without opening the app.
Choose a one-time upgrade or subscription as your planning needs grow.
One-time unlock
Cashflow alerts and goals
Anomaly and trend insights
Subscription tier
PDF and Excel exports
Filters and branded reports
Subscription tier
NLP tagging and digests
FX, recurring, trends, alerts
Best Deal one-time purchase
Includes all premium tiers
No renewals
Unlock smarter planning with cash-flow alerts, insights, goal tracking, and budget thresholds.
Alerts when projected cash runs short before paychecks or card bills.
Trend-based insights across income, expenses, and savings.
Track targets, milestone progress, and category-level budget thresholds.
20+ insight types including spending pace, income volatility, category spikes, bill coverage ratios, and risk assessment.
ML-powered alerts when transactions exceed 3x your median spending.
Balance sheets, PDFs, Excel exports, and branded reporting. Includes all Insights & Goals features.
Date-range summaries with income, expenses, and net position.
Polished reports with charts and detailed entry breakdowns.
Export by date range or tags to keep reports focused.
Add header and footer images for professional sharing.
Bulk entry, automation, NLP tagging, smart digests, and intelligent notifications for power users who want maximum insight and control.
Weekly/monthly digests with sentiment analysis, anomaly detection, and confidence-scored recommendations based on your historical patterns (30-day minimum).
Semantic matching using sentence embeddings (iOS 17+), regex patterns, and rule-based engine with confidence scoring and smart filtering.
Track spend by card without storing sensitive details.
Create repeating bills with edit-all-future control.
Paste multiple entries at once with smart parsing.
Auto-convert entries and see totals by currency.
3/6/12-month sparklines for income, net, and savings rate.
Background alerts for budgets, recurring bills, card bills, and goal milestones.
One purchase that unlocks Insights & Goals, Reporting, and Advanced Tools forever.
Insights & Goals, Reporting, and Advanced Tools on this device.
Share access with your family group when enabled in App Store.
No renewals or subscription management.
Ideal if you plan to budget for years, not months.
Sentence embeddings, tokenization, and semantic similarity for intelligent auto-tagging (iOS 17+)
Robust local storage with automatic iCloud sync using NSPersistentCloudKitContainer
Modern async/await patterns for responsive UI and efficient background processing
Native iOS 17+ UI with reactive state management
Seamless multi-device experience across iPhone, iPad, and Apple Watch
Modern in-app purchases with transparent pricing and easy subscription management
Start free, then add premium features only when they fit your workflow.
Requires iOS 16.0 or later (some ML features require iOS 17+) • Compatible with iPhone and iPad • Apple Watch app available • iCloud account recommended for sync