A private budget app that shows what you can safely spend
Stage
Not given
Not given
Founded
Not given
Not given
Based in
US
US
Pricing model
Freemium
Free trial
Pricing
Free: $0/month. Pro: $99.00/year ($8.25/month when billed yearly) or $12.99/month when billed monthly. Eligible U.S. App Store subscribers get 14 days free trial, then $99.00/year.
7-day free trial, then monthly or annual subscription. Exact pricing shown in App Store or Google Play purchase flow.
Key features
Zero-based budgeting method
Manual transaction tracking
Intelligent recommendations for tracking
Recurring line items
Search across transactions and budget items
Export to CSV or XLSX
Cross-device sync
Freeflow Engine - shows what is actually usable after protecting bills, debt, and savings
Cash Low Point Monitoring - projects how low available cash may fall before next paycheck
Afford It Decision Tool - checks whether a purchase fits the financial plan
Bill Reminders - track upcoming, due, paid, and overdue bills
Debt Payoff Tools - snowball and avalanche calculations with interest savings
Savings Goal Tracking - create and track progress on savings goals
Reserved Cash - separate committed money from everyday spending
Paycheck Planning - plan around income timing including irregular income
Manual Budgeting - plan without connecting a bank account
What makes it different
Built on simplicity by design, avoiding bloated features most people don't use
Free plan includes core budgeting without paid features
Works seamlessly across iOS, iPad, and web with real-time sync
No bank sync or bank credentials required - keeps financial data private and avoids broken connections
Local-first architecture - financial data stored on device, never sold
Looks forward to upcoming obligations instead of backward at past spending
Shows safe-to-spend amount rather than just balance
OnTrack Money
Savern