Mudal: Budget Planner

Plan your pay, track every bill, and grow your savings — all in one beautifully simple app. Built for couples and solo budgeters who want real clarity on payday.

Mudal is a household budget planner and a subscriptions tracker for who wants a clear, simple picture of where their money goes every month.

Set up your monthly plan in minutes. Add your household income, recurring bills, and savings goals, then let Mudal show you exactly what's left to spend.

MONTHLY BUDGET PLANNING

Build a complete monthly financial plan from your combined household income. Mudal calculates your total income, subtracts your fixed costs and savings contributions, and shows you your real spending pot so you always know where you stand before the month begins.

See your finances at a glance in a donut chart that splits income into bills, savings, spending, and remaining money. If your commitments ever exceed your income, Mudal flags it immediately.

BILLS & FIXED EXPENSES

Track every recurring cost: housing, utilities, subscriptions, insurance, transport, childcare, debt repayments, and more. Assign each expense to a bank account and see exactly how much each account needs to cover the month.

Set renewal and end dates to get automatic reminders 7 days and 1 day before they hit, no more missed renewals or surprise charges.

SAVINGS GOALS

Allocate your available money into named savings goals with monthly contributions, target amounts, and target dates. Track progress with visual progress bars, and celebrate when you hit a target.

Top up goals manually, transfer money between goals, and carry accumulated savings forward month to month. Mudal separates this month's contribution from your running total, so you always know what's been saved and what you're building toward.

BANK ACCOUNT MANAGEMENT

Organise expenses by the bank account they come from yours, your partner's, or a joint account. See at a glance how much each account needs funded before bills go out, and tap any account on the dashboard to filter its expenses instantly.

No links required to your bank account.

MONTHLY HISTORY

Archive completed months and review them any time. See income, fixed costs, savings, spending, and any over-budget amount for each past month. Once you've built up a few months of data, a pattern chart helps you spot trends over time.

iCLOUD SYNC & SHARING

Mudal syncs automatically using iCloud key-value storage, so your plan stays up to date across all your devices. Household data is shared between you and your partner without any account sign-up.

SMART NOTIFICATIONS

Get a monthly planning reminder on your chosen pay date so you never start a new month without a plan. Bill renewal and end-date alerts keep you ahead of upcoming changes.

DESIGNED FOR HOUSEHOLDS

Mudal is built for the way households actually work: two or more incomes, shared bills, joint accounts, and shared goals. Whether you manage finances together or separately, Mudal gives your household one clear plan.

SUBSCRIPTIONS AND PURCHASES

Start with a free trial. Mudal offers a weekly, monthly, and yearly renewing subscription to unlock Premium functionality.

You can manage or cancel your subscription through the user settings after the purchase. The subscription period ends with the same kind of subscription you already bought to the same price unless you turn off your subscription 24 hours before it renews.

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