Basis Budget: Money Tracker

Budget your way, free. Zero-based or spending limits, net worth, reports, encrypted on your device. Optional bank sync for $4.99/mo, first month free.

Budget your way. Track your worth. Keep your privacy. Free with optional sync.

Most budgeting apps force one approach, and harvest your data while they're at it. Basis Budget gives you two complete budgeting modes in one app, and your financial data is encrypted on your device before it ever touches our servers. We don't run ads or sell your data, and there's no analytics tracking what you do in the app.

Switch between budgeting modes anytime without losing a single transaction.

TWO WAYS TO BUDGET

[+] ZERO-BASED BUDGETING Every dollar of income gets assigned to a category until nothing is left to budget. Carry unused funds forward with rollover or start fresh each month. Set savings goals and sinking funds to plan ahead. Familiar territory if you've budgeted with envelopes before.

[+] SPENDING LIMITS Set monthly caps per category and track your spending against them. No envelopes, no assigning. Just set your limits and go. Perfect if you want guardrails without the overhead.

FREE TO START

Manual budgeting is free. Track your accounts and transactions yourself, use both budgeting modes, see your net worth, split transactions, run reports, and keep every privacy protection, with no subscription.

Want it automated? Connect your banks for automatic import via Plaid, plus Apple Wallet integration for Apple Card and Apple Savings, for $4.99/month. Your first month is free, and you can cancel anytime with your data staying accessible.

Bank sync via Plaid is currently available in the United States. Manual entry and every other core feature work in every supported country.

NET WORTH TRACKING

See your full financial picture in one place. Track checking, savings, credit cards, investments, loans, and manually tracked assets like your home or car. Watch your net worth change over time with built-in charts and reports.

PRIVACY BY DESIGN

Before your financial data ever touches our servers, it's encrypted on your device with a key that's unique to you. Lock the app with Face ID and hide balances with number masking. We don't run ads, sell your data, or track in-app behavior.

ALSO INCLUDES

Transaction splits across multiple categories 16 default categories with full customization Category groups for Bills, Needs, Wants, and Savings Savings goals and sinking funds Credit card payment tracking Spending reports and category breakdowns Dark mode

Made for people who want their budgeting app to stay out of their way.

Terms/EULA: https://basisbudget.com/terms and Privacy Policy: https://basisbudget.com/privacy