Know what your cards will report before they report it
Stage
Not given
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Founded
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Based in
US
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Pricing model
Freemium
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Pricing
Free to start with all features unlocked; then Monthly, Yearly (billed yearly, most common option), or Lifetime (one-time payment). Prices set by Apple App Store and Google Play and vary by country.
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Key features
Calculates what you can safely spend today
Budgets over any period (month, fortnight, custom)
Multiple accounts, transfers, and net worth tracking
Recurring rules for rent, salary, and subscriptions
Search and filters over every transaction
CSV export of transactions
Backup and restore via Google Drive, iCloud, or file
App lock with passcode and biometrics
Supports 165 currencies and 5 languages
All data stays on device with optional backup only
Projects reported utilization before each statement closes
Learns each card's statement cycle from its own history
Counts recurring charges committed before the close
Per-card utilization thresholds with push alerts
Close date alerts a few days beforehand
Tracks recurring subscription charges
What makes it different
No bank connection—you manually add transactions, so no credentials to share and nothing to categorize incorrectly
All data remains on your phone; nothing is uploaded without your permission
Shows what you can spend today as one clear number derived from remaining funds and days until payday
Free to start with all features unlocked; you choose whether to pay to continue adding transactions
Counts recurring charges that will post before statement close
Built around statement close, not payment due date
Connects through Plaid without storing login credentials
Ledgerly
Sonar