SAFE Budgeting

SAFE Budget is the personal finance app where your money stays with you. Your ledger lives in its protected local storage and your private or explicitly shared iCloud. SAFE Budget operates no financial-data server.

WHY SAFE IS DIFFERENT

PRIVATE BY ARCHITECTURE SAFE Budget has no account system and no hosted ledger backend. Synced ledger values use CloudKit encrypted fields and attachments use CloudKit assets. Apple documents that these fields and assets are end-to-end encrypted when Advanced Data Protection is enabled; otherwise they remain encrypted in transit and on Apple's servers under standard iCloud protection. Your device authentication protects access to the app's local copy.

PRIVATE PROCESSING, USER-CONTROLLED SYNC

• Apple Wallet: link your Apple Card, Apple Cash, and Apple Card Savings through Apple's FinanceKit. This data is read from Wallet on your device, stored in the same protected ledger, and never sent to the developer. It's optional, off until you enable it, and revocable anytime in Settings.
• Bank sync via SimpleFIN, or bring your own Plaid developer keys. Credentials stay in your Keychain and sync only through Apple's end-to-end-encrypted iCloud Keychain to your own trusted devices. SimpleFIN and Plaid are independent services you authorize directly — SAFE is not affiliated with them and operates no server that could ever see your data.
• Smart transaction categorization that runs locally
• Receipt OCR with Apple's Vision framework runs on-device; photos you choose to keep sync as CloudKit assets in your iCloud SimpleFIN and Plaid process bank data under their own privacy policies when you enable them.

RECEIPTS, WARRANTIES & ITEM-LEVEL SPLITS Snap a receipt and let on-device OCR read it. Split a purchase line by line into its own categories. Track warranties and get a heads-up before coverage ends.

PLANNING THAT GOES BEYOND BUDGETING

• Loans & debt payoff (avalanche vs. snowball)
• Mortgage analytics — equity, LTV, PMI, payoff dates, affordability
• Tax projection — brackets, FICA, withholding adequacy
• Retirement & 401(k) projections with employer match
• Savings goals with a required-contribution solver
• Home project budgets

FORECASTING & CASH-FLOW MODELING See a day-by-day running balance built from your real pay dates and bills, with a cash-flow-cliff warning. Drag a what-if slider to test any decision. Project net worth 30+ years out with conservative, expected and optimistic bands, inflation-adjusted.

PROACTIVE INSIGHTS & REPORTS Low-balance, overspend, credit-utilization, subscription-creep, duplicate-charge, and warranty-expiry insights — plus a reports gallery (spending, income vs. expense, net-worth trend, cash flow, money-flow Sankey, year-in-review) and a custom report builder.

HOUSEHOLD SHARING Invite a partner through Apple's CloudKit sharing. Owner, editor and guest permissions control access; the owner can remove a participant, and each device attributes changes to the profile that person selected. Settle-Up keeps shared expenses fair.

NATIVE ACROSS YOUR APPLE DEVICES Built in SwiftUI for iPhone, iPad, Mac, and Apple Watch. Home-screen and lock-screen widgets, a glanceable Watch app, Siri ("What's left this month?"), Control Center quick-add, and Mac/iPad keyboard shortcuts. Widgets redact automatically when your device is locked.

NO ADS. NO DATA SELLING. NO TRACKING. No advertising, no advisory commission, and no developer-operated ledger server. Your devices, your iCloud, your control.

PRICING Free to download. Reading and exporting your data always work without paying. Creating and editing needs SAFE Budget Plus — $9.99/year, first month free, or $29.99 once for lifetime. Family Sharing supported. Renews automatically unless cancelled at least 24 hours before the period ends; manage in Apple Account settings.

Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://harveybl.github.io/aitodo-legal/privacy-safebudget.html