Hoard: Budget & Save

Most budgeting apps turn money into homework. Hoard turns your plan into one honest number: what is truly free to spend. No scolding. No account. No spreadsheet.

Start with the cash you have and the dreams you care about. Add the commitments that need paying and the pouches that pace everyday spending. Hoard does the arithmetic and shows your Spare Stash, the money left after the plan.

• Know what is free to spend. Spare Stash and Days of Gold show what is available now and how long it may last at your current pace.
• Pace everyday spending. Pouches reset with your cycle and show what is left.
• Honor every commitment. Tributes handle recurring bills, custom frequencies, and dated one-offs without calling them debts.
• Save toward real dreams. Set a target, add a date if you want one, and see the monthly pace required.
• Start from your Home Screen. Widgets keep Spare Stash, a dream, or a pouch visible and open the exact spend entry when tapped.
• Log the way that suits you. Use the app, a quick action, Siri, or the Action Button.
• Get gentle reminders. Hoard celebrates progress, reminds you when something is due, and respects quiet hours.
• Keep your data yours. Hoard works without an account. Your plan stays on your device and can sync through your private iCloud account.

Works with multiple currencies, locale-correct number entry, and a home timezone that keeps your budget stable when you travel.

Build your den. Feed the hoard. Let the dragon guard what matters.