503020: Budget Coach

Know in seconds whether you're over or under budget, see your 50/30/20 split, and get private on-device coaching. No accounts, no ads, no tracking.

Know exactly where your money goes each month — and whether you're under or over budget.

Budget Coach turns your monthly income and spending into a clear picture in seconds, then gives you private, on-device coaching to help you spend with intention. No accounts. No ads. No tracking. Everything stays on your iPhone.

HOW IT WORKS • Enter your monthly income and what you spend on housing, food & groceries, transport, shopping, entertainment, and more • Set how much you want to save each month • Instantly see if you're under budget, over budget, or cutting it close — with the exact amount left over or short

THE 50/30/20 VIEW • See your spending split into Needs, Wants, and Savings • Compare each against the classic 50/30/20 guideline with simple bars and targets • Spot at a glance where you're over the mark

YOUR ON-DEVICE COACH • Tap "Coach me" for 3–5 specific, friendly tips based on your actual numbers • Powered by Apple Intelligence — the coaching is generated right on your iPhone, so nothing is sent to a server • Every device gets useful guidance: clear rule-based tips stand in when Apple Intelligence isn't available

TRACK YOUR PROGRESS • Save a snapshot each month and watch your savings rate trend over time • Reload any past month to compare or fine-tune

PRIVATE BY DESIGN • No account, no sign-up, no email • No network connection — your budget never leaves your device • No tracking, no analytics, no ads • Delete the app and every number goes with it

A quick note: Budget Coach offers general, educational budgeting suggestions only. It is not professional financial, investment, tax, or legal advice, and it doesn't know your full situation. For decisions about your money, please talk to a qualified professional.

Built by an independent developer who just wanted a calm, private way to stay on top of a monthly budget.